0001609065-17-000013.txt : 20170331 0001609065-17-000013.hdr.sgml : 20170331 20170331104838 ACCESSION NUMBER: 0001609065-17-000013 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 110 CONFORMED PERIOD OF REPORT: 20161231 FILED AS OF DATE: 20170331 DATE AS OF CHANGE: 20170331 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Pathfinder Bancorp, Inc. CENTRAL INDEX KEY: 0001609065 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 383941859 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-36695 FILM NUMBER: 17728590 BUSINESS ADDRESS: STREET 1: 214 WEST FIRST STREET CITY: OSWEGO STATE: NY ZIP: 13126 BUSINESS PHONE: (315) 343-0057 MAIL ADDRESS: STREET 1: 214 WEST FIRST STREET CITY: OSWEGO STATE: NY ZIP: 13126 10-K 1 form10-k.htm 2016 FORM 10-K


UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-K
ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the Fiscal Year Ended December 31, 2016
Commission File No. 001-36695
(Exact name of registrant as specified in its charter)
     
Maryland
  
38-3941859
(State or other jurisdiction of
incorporation or organization)
  
(I.R.S. Employer
Identification No.)
214 West First Street
Oswego, NY 13126
 (Address of principal executive offices) (Zip code)
Registrant's telephone number, including area code (315) 343-0057
Securities registered pursuant to Section 12(b) of the Act:
     
Title of each class
  
Name of each exchange on which registered
   
Common Stock, $0.01 par value
  
The NASDAQ Stock Market LLC
Securities registered pursuant to Section 12(g) of the Act: None
Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act
   Yes No 

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

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 and posted on its corporate website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).
  Yes No

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§229.405 of this chapter) is not contained herein, and will not be contained, to the best of the registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company. See definition of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act. (Check one):
             
Large Accelerated Filer
 
Accelerated Filer
 
Non-Accelerated Filer
 
Smaller reporting company
   
 (Do not check if a smaller reporting company)

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

The aggregate market value of the voting and non-voting common equity held by non-affiliates of the Registrant, computed by reference to the last sale price on June 30, 2016, as reported by the NASDAQ Capital Market ($11.27), was approximately $49.0 million.

As of March 15, 2017, there were 4,246,980 shares outstanding of the Registrant's common stock.

DOCUMENTS INCORPORATED BY REFERENCE:
Proxy Statement for the 2017 Annual Meeting of Shareholders of the Registrant (Part III).
TABLE OF CONTENTS

FORM 10-K ANNUAL REPORT
FOR THE YEAR ENDED
DECEMBER 31, 2016
PATHFINDER BANCORP, INC.
       
Page
     
   
Business
3
   
Risk Factors
28
   
Unresolved Staff Comments
28
   
Properties
29
   
Legal Proceedings
30
   
Mine Safety Disclosure
30
       
     
   
Market for Registrant's Common Equity, Related Stockholder Matters and Issuer
30
     
Purchases of Equity Securities
  
   
Selected Financial Data
31
   
Management's Discussion and Analysis of Financial Condition and Results of Operations
32
   
Quantitative and Qualitative Disclosures About Market Risk
54
   
Financial Statements and Supplementary Data
55
   
Changes In and Disagreements With Accountants on Accounting and Financial Disclosure
118
   
Controls and Procedures
118
   
Other Information
119
         
     
   
Directors, Executive Officers and Corporate Governance
120
   
Executive Compensation
120
   
Security Ownership of Certain Beneficial Owners and Management and Related
120
     
Stockholder Matters
  
   
Certain Relationships and Related Transactions, and Director Independence
120
   
Principal Accounting Fees and Services
120
         
     
   
Exhibits and Financial Statement Schedules
121
   
Form 10-K Summary
123
         
 
 
  
             
 
 
 
 
 
 
PART I

FORWARD-LOOKING STATEMENTS

When used in this Annual Report the words or phrases "will likely result", "are expected to", "will continue", "is anticipated", "estimate", "project" or similar expressions are intended to identify "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995.  Such statements are subject to certain risks and uncertainties. Actual results and financial condition may differ, possibly materially, from the anticipated results and financial condition indicated in these forward-looking statements. Important factors that could cause the Company's actual results and financial condition to differ from those indicated in the forward-looking statements include, among others:
Credit quality and the effect of credit quality on the adequacy of our allowance for loan losses;
Deterioration in financial markets that may result in impairment charges relating to our securities portfolio;
Competition in our primary market areas;
Changes in interest rates and national or regional economic conditions;
Changes in monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board;
Significant government regulations, legislation and potential changes thereto;
A reduction in our ability to generate or originate revenue-producing assets as a result of compliance with heightened capital standards;
Increased cost of operations due to regulatory oversight, supervision and examination of banks and bank holding companies, and higher deposit insurance premiums;
Limitations on our ability to expand consumer product and service offerings due to consumer protection laws and regulations; and
Other risks described herein and in the other reports and statements we file with the SEC.

These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. Undue reliance should not be placed on any such forward-looking statements, which speak only as of the date made.  The factors listed above could affect the Company's financial performance and could cause the Company's actual results for future periods to differ materially from any opinions or statements expressed with respect to future periods in any current statements.  Additionally, all statements in this document, including forward-looking statements, speak only as of the date they are made, and the Company undertakes no obligation to update any statement in light of new information or future events.

ITEM 1: BUSINESS

GENERAL

Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc. (the "Company") is a Maryland corporation headquartered in Oswego, New York. The primary business of the Company is its investment in Pathfinder Bank (the "Bank") which is 100% owned by the Company.  Pathfinder Bank is a commercial bank chartered by the New York State Department of Financial Services (the "NYSDFS").  The Bank provides loans to, and gathers deposits from, customers primarily within Oswego and Onondaga Counties in Central New York State.

At December 31, 2016 and 2015, 4,236,744 and 4,353,850 shares of Company common stock were outstanding, respectively.

On October 15, 2015, the Company executed a $10.0 million non-amortizing subordinated loan agreement ("subordinated loan") with an unrelated third party that is scheduled to mature on October 1, 2025. The Company has the right to prepay the subordinated loan at any time after October 15, 2020 without penalty. The terms of the subordinated loan required interest payments at an annual interest rate of 3.50% from October 15, 2015 to February 29, 2016. The annual interest rate increased to 6.25% on March 1, 2016 through the maturity date. The subordinated loan is senior in the Company's credit repayment hierarchy only to the Company's common equity and, as a result, qualifies as Tier 2 capital for the Company for all future periods when applicable.  The Company paid $172,000 in origination and legal fees as part of this transaction.  These fees are amortized over the life of the subordinated loan through its first call date of October 1, 2020 using the effective interest method.  The cost of funds related to this transaction is 6.44% calculated under this method. 
 

 
The proceeds from the subordinated loan were used to repay preferred stock issued to the U.S. Treasury as part of the Small Business Lending Program ("SBLF"), which was retired on February 16, 2016.  The issuance of the subordinated loan increases interest expense by $644,000 per year but prospectively reduces the amount payable to the SBLF in preferred stock dividends.  Effective April 1, 2016, the annual dividend rate for the preferred stock would have been 9.0%.  The retirement of the $13.0 million of the SBLF Preferred Series B stock, therefore, resulted in an annual reduction of preferred dividends payable of approximately $1.2 million. The Company paid $16,000 in preferred dividends in 2016, through the date that the preferred stock was retired, and $130,000 in 2015. These transactions had no effect on the regulatory capital position of the Bank.
 
On June 1, 2016, the Company announced that it had completed the process of its previously announced restructuring plan to combine the operations of its then-existent subsidiaries, Pathfinder Bank and Pathfinder Commercial Bank, into a single New York State chartered commercial bank.  This transaction was completed on May 31, 2016.  Simultaneously with the combination, Pathfinder Commercial Bank's charter was amended such that it became a full-service commercial bank, rather than a limited purpose commercial bank and its name was changed to "Pathfinder Bank".  The transaction had no material impact on the investments or operations of the Bank, although the Bank expects some continuing annual operating cost savings as a result of the combination.

At December 31, 2016, the Company had total consolidated assets of $749.0 million, total deposits of $611.0 million and shareholders' equity of $57.9 million plus a noncontrolling interest of $432,000, which represents the 49% not owned by the Company as a result of the 2013 acquisition of the FitzGibbons Agency, LLC.

The Company's executive office is located at 214 West First Street, Oswego, New York and the telephone number at that address is (315) 343-0057.  Its internet address is www.pathfinderbank.com.  Information on our website is not and should not be considered to be a part of this report.

Pathfinder Bank

The Bank is a New York-chartered stock commercial bank and its deposit accounts are insured up to applicable limits by the FDIC through the Deposit Insurance Fund ("DIF").  The Bank is subject to extensive regulation by the Department, as its chartering agency, and by the FDIC, as its deposit insurer and primary federal regulator.  The Bank is a member of the Federal Home Loan Bank of New York ("FHLBNY") and is subject to certain regulations by the Federal Home Loan Bank System.

The Bank is primarily engaged in the business of attracting deposits from the general public in the Bank's market area, and investing such deposits, together with other sources of funds, in loans secured by residential real estate, commercial real estate, small business loans, and consumer loans.  The Bank invests a portion of its assets in securities issued by the United States Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The Bank also invests in mortgagebacked securities primarily issued or guaranteed by United States Government sponsored enterprises and collateralized mortgage obligations.  The Bank's principal sources of funds are deposits, principal and interest payments on loans and investments, as well as borrowings from correspondent financial institutions.  The principal source of income is interest on loans and investment securities.  The Bank's principal expenses are interest paid on deposits, employee compensation and benefits, data processing and facilities.


The Bank owns Pathfinder REIT, Inc., a New York corporation, as its wholly-owned real estate investment trust subsidiary.  At December 31, 2016, Pathfinder REIT, Inc. held $24.7 million in mortgages and mortgage related assets.  All disclosures in this Form 10-K relating to the Bank's loans and investments include loans and investments that are held by Pathfinder REIT, Inc.

The Bank also owns 100% of Whispering Oaks Development Corp. ("Whispering Oaks"), a New York corporation that is retained to operate or develop real estate-related projects.  At December 31, 2016, Whispering Oaks operated a small tenant-occupied commercial building and, through a wholly-owned second-tier subsidiary. is currently the sole limited partner in a limited partnership that currently operates a low-income housing facility.

Additionally, the Bank owns 100% of Pathfinder Risk Management Company, Inc., which was established to record the 51% controlling interest upon the December 2013 purchase of the FitzGibbons Agency, an Oswego County property, casualty and life insurance brokerage business with approximately $795,000 in annual revenues.

Finally, the Company owns a non-consolidated Delaware statutory trust subsidiary, Pathfinder Statutory Trust II, of which 100% of the common equity is owned by the Company.  Pathfinder Statutory Trust II was formed in connection with the issuance of $5.2 million in trust preferred securities.

Employees

As of December 31, 2016, the Bank had 128 full-time employees and 11 part-time employees.  The employees are not represented by a collective bargaining unit and we consider our relationship with our employees to be good.

MARKET AREA AND COMPETITION

Market Area

We provide financial services to individuals, families, small to mid-size businesses and municipalities through our seven branch offices located in Oswego County and our two branch offices in Onondaga County.  Our primary lending market area includes both Oswego and Onondaga Counties.  However, our primary deposit generating area is concentrated in Oswego County and the areas surrounding our Onondaga County branches.

The economy in Oswego County is based primarily on manufacturing, energy production, heath care, education, and government.  The broader Central New York market has a more diverse array of economic sectors, including, food processing production and transportation, in addition to financial services.  The region has developed particular strength in emerging industries such as bio-processing, medical devices and renewable energy.

Based on recent independent market survey reports, median home values were $131,100 in Onondaga County and $94,500 in Oswego County at the end of 2016.  Home values have shown only modest increases in recent years within the Syracuse metro area, including Onondaga and Oswego Counties.  This modest increase in home values within the area followed a period in which home values within the area exhibited relative stability compared to many other areas of the country during the most recent economic recession that began in 2008.

Competition

Pathfinder Bank encounters strong competition both in attracting deposits and in originating real estate and other loans.  Our most direct competition for deposits and loans comes from commercial banks, savings institutions and credit unions in our market area, including money-center banks such as JPMorgan Chase & Co. and Bank of America, regional banks such as M&T Bank and Key Bank N. A., and community banks such as NBT Bank and Community Bank N.A., all of which have greater total assets than we do.  We compete for deposits by offering depositors a high level of personal service, a wide range of competitively priced financial services, and a well distributed network of branches, ATMs, and electronic banking.  We compete for loans through our competitive pricing, our experienced and active loan officers, local knowledge of our market and local decision making, strong community support and involvement, and a highly reputable brand.  As the economy has improved, and loan demand has increased, competition from financial institutions for commercial and residential loans has also increased.  Additionally, some of our competitors offer products and services that we do not offer, such as trust services and private banking.  Our primary focus is to build and develop profitable consumer and commercial customer relationships while maintaining our role as a community bank.
 

 
As of June 30, 2016, based on the most recently-available FDIC data, we had the second largest market share in Oswego County, representing 24.3% of all deposits, and 1.1% of all deposits in Onondaga County.  In addition, when combining both Oswego and Onondaga Counties, we have the eighth largest market share of sixteen institutions, representing 4.7% of the total market.

LENDING ACTIVITIES

General

Our primary lending activity is originating commercial real estate and commercial loans, the vast majority of which have periodically adjustable rates of interest.  The Bank also originates one-to-four family residential real estate loans, the majority of which have fixed rates of interest.  Our loan portfolio also includes municipal loans, home equity loans and junior liens and consumer loans.  In order to diversify our loan portfolio, increase our revenues, and make our loan portfolio less interest rate sensitive, the Company has actively sought to increase its commercial real estate and commercial business lending activities, consistent with safe and sound underwriting practices. Accordingly, we offer adjustable-rate commercial mortgage loans, short-and medium-term mortgage loans, and floating rate commercial loans.  Notwithstanding our increased emphasis on commercial real estate and commercial lending, we continue to offer shorter-term consumer loans, home equity loans and lines of credit with adjustable interest rates and municipal loans with fixed interest rates.

Commercial Real Estate Loans

Over the past several years, we have focused on originating commercial real estate loans, and we believe that commercial real estate loans will continue to provide growth opportunities for us.  We expect to increase, subject to our underwriting standards and market conditions, this business line in the future with a target loan size of $500,000 to $1.0 million to small businesses and real estate projects in our market area. Commercial real estate loans are secured by properties such as multi-family residential, office, retail, warehouse and owner-occupied commercial properties.

Commercial real estate loans are generally secured by property located in our primary market area.  Our commercial real estate underwriting policies provide that such real estate loans may be made in amounts up to 80% of the appraised value of the property.  Commercial real estate loans are offered with interest rates that are fixed for up to three or five years then are adjustable based on the FHLBNY advance rate. Contractual maturities generally do not exceed 20 years.  In reaching a decision whether to make a commercial real estate loan, we consider gross revenues, operating trends, net cash flows of the property, the borrower's expertise and credit history, and the appraised value of the underlying property. We will also consider the terms and conditions of the leases and the credit quality of the tenants.  We generally require that the properties securing these real estate loans have debt service coverage ratios (the ratio of earnings before interest, taxes, depreciation and amortization divided by interest expense and current maturities of long term debt) of at least 120%.  Environmental due diligence is generally conducted for commercial real estate loans.  Typically, commercial real estate loans made to corporations, partnerships and other business entities require personal guarantees by the principals and by the owners of 20% or more of the borrower.

A commercial real estate borrower's financial condition is monitored on an ongoing basis by requiring periodic financial statement updates, payment history reviews, property inspections and periodic face-to-face meetings with the borrower.  We generally require borrowers with aggregate outstanding balances exceeding $100,000 to provide annual updated financial statements and federal tax returns.  These requirements also apply to all guarantors on these loans.  We also require borrowers to provide an annual report of income and expenses for the property, including a rent-roll, as applicable.
 

 
Loans secured by commercial real estate generally have greater credit risk than one-to-four family residential real estate loans.  The increased credit risk associated with commercial real estate loans is a result of several factors, including larger loan balances concentrated with a limited number of borrowers, the impact of local and general economic conditions on the borrower's ability to repay the loan, and the increased difficulty of evaluating and monitoring these types of loans.  Furthermore, the repayment of loans secured by commercial real estate properties typically depends upon the successful operation of the real property securing the loan.  If the cash flows from the property are reduced, the borrower's ability to repay the loan may be impaired.  However, commercial real estate loans generally have higher interest rates than loans secured by one-to-four family residential real estate.

Commercial Loans

We typically originate commercial loans, including commercial term loans and commercial lines of credit, on the basis of a borrower's ability to make repayment from the cash flows of the borrower's business, conversion of current assets in the normal course of business (for seasonal working capital lines), the experience and stability of the borrower's management team, earnings projections and the underlying assumptions, and the value and marketability of any collateral securing the loan.  As a result, the availability of funds for the repayment of commercial loans and commercial lines of credit may be substantially dependent on the success of the business itself and the general economic environment in our market area.  Therefore, commercial loans and commercial lines of credit that we originate have greater credit risk than one-to-four family residential real estate loans or, generally, consumer loans.

Commercial term loans are typically secured by equipment, furniture and fixtures, inventory, accounts receivable or other business assets, or, in limited circumstances, such loans may be unsecured.  From time to time, we also originate commercial loans through Small Business Administration ("SBA") and United States Department of Agriculture ("USDA") guaranteed loan programs.  Over the past several years, we have focused on increasing our commercial lending and our business strategy is to continue to increase our originations of commercial loans to small businesses in our market area, subject to our underwriting standards and market conditions.  Our commercial loans are generally comprised of adjustable-rate loans, indexed to the prime rate, with terms consisting of three to seven years, depending on the needs of the borrower and the useful life of the underlying collateral.  We make commercial loans to businesses operating in our market area for purchasing equipment, property improvements, business expansion or working capital.  If a commercial loan is secured by equipment, the maturity of a term loan will depend on the useful life of the equipment purchased, the source of repayment for the loan and the purpose of the loan.  We generally obtain personal guarantees on our commercial loans.

Our commercial lines of credit are typically adjustable rate lines, indexed to the prime interest rate.  Generally, our commercial lines of credit are secured by business assets or other collateral, and generally payable on-demand pursuant to an annual review.  Since the commercial lines of credit may expire without being drawn upon, the total committed amounts do not necessarily represent future cash requirements.

Residential Real Estate Loans

Historically, our primary lending focus consisted of originating one-to-four family, owner-occupied residential mortgage loans, substantially all of which were secured by properties located in our market area.  As noted above, we have shifted our lending focus in recent years towards originating more commercial real estate and commercial loans.

We currently offer one-to-four family residential real estate loans with terms up to 30 years that are generally underwritten according to Federal National Mortgage Association ("Fannie Mae") guidelines, and we refer to loans that conform to such guidelines as "conforming loans."  We generally originate both fixed-rate and adjustable-rate mortgage loans in amounts up to the maximum conforming loan limits as established by the Federal Housing Finance Agency, which as of December 31, 2016, was generally $417,000 for single-family homes in our market area.
 

 
Although conforming loans are saleable, we generally hold our one-to-four family residential real estate loans in our portfolio but have the capability to sell the mortgages into the secondary market, at management's discretion, as a source of liquidity or as a means of managing interest-rate risk. Such loan sales were conducted on a limited basis in 2016 and 2015.  In the current and prolonged low interest rate environment, a significant portion of our loan portfolio consists of fixed-rate one-to-four family residential real estate loans with terms in excess of 15 years.  We also originate one-to-four family residential real estate loans secured by non-owner occupied properties. However, we generally do not make loans in excess of 80% loan-to-value on non-owner occupied properties.

Our fixed-rate one-to-four family residential real estate loans include loans that generally amortize on a monthly basis over periods between 10 to 30 years.  Fixed-rate one-to-four family residential real estate loans often remain outstanding for significantly shorter periods than their contractual terms because borrowers have the right to refinance or prepay their loans.

Our adjustable-rate one-to-four family residential real estate loans generally consist of loans with initial interest rates fixed for one, three, or five years, and annual adjustments thereafter are indexed based on changes in the one-year United States Treasury bill constant maturity rate.  Our adjustable-rate mortgage loans generally have an interest rate adjustment limit of 200 basis points per adjustment, with a maximum lifetime interest rate adjustment limit of 600 basis points.  In the current low interest rate environment, we have not originated a significant amount of adjustable-rate mortgage loans. Although adjustable-rate one-to-four family residential real estate loans may reduce, to an extent, our vulnerability to changes in market interest rates because they periodically re-price, as interest rates increase the required payments due from a borrower also increase (subject to rate caps), thereby increasing the potential for default by the borrower.  At the same time, the ability of the borrower to repay the loan and the marketability of the underlying collateral may be adversely affected by higher interest rates.  Upward adjustments of the contractual interest rate are also limited by our maximum periodic and lifetime rate adjustments.

Regulations limit the amount we may lend relative to the appraised value of the real estate securing the loan, as determined by an appraisal of the property at the time the loan is originated.  For borrowers who do not obtain private mortgage insurance ("PMI"), our lending policies limit the maximum loan-to-value ratio on both fixed-rate and adjustable-rate mortgage loans to 80% of the appraised value of the collateralized property, with the exception of a limited use product which allows for loans up to 90% with no PMI.  For most one-to-four family residential real estate loans with loan-to-value ratios of between 80% and 95%, we require the borrower to obtain private mortgage insurance.  For first mortgage loan products, we require the borrower to obtain title insurance. We also require homeowners' insurance, fire and casualty, and, if necessary, flood insurance on properties securing real estate loans.  We do not, and have never offered or invested in, one-to-four family residential real estate loans specifically designed for borrowers with sub-prime credit scores, including interest-only, negative amortization or payment option adjustable-rate mortgage loans.

Residential Construction Loans

Our one-to-four family residential real estate loan portfolio also includes residential constructions loans.  Our residential construction loans generally have initial terms of up to six months, subject to extension, during which the borrower pays interest only.  Upon completion of construction, these loans typically convert to permanent loans secured by the completed residential real estate.   Our construction loans generally have rates and terms comparable
to residential real estate loans that we originate.  The Bank held $8.5 million and $7.9 million in residential construction loans at December 31, 2016 and 2015, respectively.




Tax-exempt Municipal Loans

Tax-exempt municipal loans are a small component of our commercial loan product segment.  At December 31, 2016, loans outstanding in this category were $12.5 million, or 4.9%, of our total commercial loan portfolio.

We make loans to local governments and municipalities for either tax anticipation or for small expenditure projects, including equipment acquisitions and construction projects.  Our municipal loans are generally fixed for a term of one year or less, and are generally unsecured.  Interest earned on municipal loans is tax exempt for federal tax purposes, which enhances the overall yield on each loan.  Generally, the municipality will have a deposit relationship with us along with the lending relationship.

We also make tax-exempt loans to commercial borrowers based on obligations issued by a state or local authority to provide economic development such as the state dormitory authority.

Home Equity Loans and Junior Liens

Home equity loans and junior liens are made up of lines of credit secured by owner-occupied and non-owner occupied one-to-four family residences and second and third real estate mortgage loans. Home equity loans and home equity lines of credit are generally underwritten using the same criteria that we use to underwrite one-to-four family residential mortgage loans.  We typically originate home equity loans and home equity lines of credit on the basis of the applicant's credit history, an assessment of the applicant's ability to meet existing obligations and payments on the proposed loan, and the value of the collateral securing the loan.  Home equity loans are offered with fixed interest rates.  Lines of credit are offered with adjustable rates, which are indexed to the prime rate, and with a draw period of up to 10 years and a payback period of up to 20 years.  The loan-to-value ratio for our home equity loans is generally limited to 80% when combined with the first security lien, if applicable.  The loan to value of our home equity lines of credit is generally limited to 80%, unless the Bank holds the first mortgage.  If we hold the first mortgage, we will permit a loan to value of up to 90%, and we adjust the interest rate and underwriting standards to compensate for the additional risk.

For all first lien position mortgage loans, we use outside independent appraisers.  For second position mortgage loans where we also hold the existing first mortgage, we will use the lesser of the existing appraisal amount used in underwriting the first mortgage or assessed value.  For all other second mortgage loans, we will use a third-party service which gathers all data from real property tax offices and gives the property a low, middle and high value, together with similar properties for comparison.  The middle value from the third-party service will be the value used in underwriting the loan. If the valuation method for the loan amount requested does not provide a value, or the value is not sufficient to support the loan request and it is determined that the borrower(s) are credit worthy, a full appraisal will be ordered.

Home equity loans and junior liens secured by junior mortgages have greater risk than one-to-four family residential mortgage loans secured by first mortgages.  We face the risk that the collateral will be insufficient to compensate us for loan losses and costs of foreclosure, after repayment of the senior mortgages, if applicable. When customers default on their loans, we attempt to work out the relationship in order to avoid foreclosure because the value of the collateral may not be sufficient to compensate us for the amount of the unpaid loan and we may be unsuccessful in recovering the remaining balance from those customers. Moreover, decreases in real estate values could adversely affect our ability to fully recover the loan balance in the event of a default.

Consumer Loans

We are authorized to make loans for a variety of personal and consumer purposes and our consumer loan portfolio consists primarily of automobile, recreational vehicles and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts.  Our procedure for underwriting consumer loans includes an assessment of the applicant's credit history and ability to meet existing obligations and payments for the proposed loan, as well as an evaluation of the value of the collateral security, if any.
 

 
Consumer loans generally entail greater credit-related risk than one-to-four family residential mortgage loans, particularly in the case of loans that are unsecured or are secured by assets that tend to depreciate in value, such as automobiles. As a result, consumer loan collections are primarily dependent on the borrower's continuing financial stability and thus are more likely to be adversely affected by job loss, divorce, illness or personal bankruptcy.  In these cases, repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment for the outstanding loan, and the remaining value often does not warrant further substantial collection efforts against the borrower.

Loan Originations, Purchases, Sales and Servicing

We benefit from a number of sources for our loan originations, including real estate broker referrals, existing customers, borrowers, builders, attorneys, and "walk-in" customers.    Our loan origination activity may be affected adversely by a rising interest rate environment which may result in decreased loan demand.  Other factors, such as the overall health of the local economy and competition from other financial institutions, can also impact our loan originations.  Although we originate both fixed-rate and adjustable-rate loans, our ability to generate each type of loan depends upon borrower demand, market interest rates, borrower preference for fixed-rate versus adjustable-rate loans, and the interest rates offered on each type of loan by other lenders in our market area.  These lenders include commercial banks, savings institutions, credit unions, and mortgage banking companies that also actively compete for local real estate loans. Accordingly, the volume of loan originations may vary from period to period.

The majority of the fixed rate residential loans that are originated each year meet the underwriting guidelines established by Fannie Mae. While infrequent, in the past, we have sold residential mortgage loans in the secondary market, and we may do so in the future, although we continue to service loans once they are sold.

From time to time, although infrequent, we may purchase loan participations in which we are not the lead lender. In these circumstances, we follow our customary loan underwriting and approval policies. We also have participated out portions of loans that exceeded our loans-to-one borrower legal lending limit and for risk diversification.  We do not purchase whole loans.

Loan Approval Procedures and Authority

The Bank's lending activities follow written, non-discriminatory underwriting standards and loan origination procedures established by management and the board of directors.  Our policies are designed to provide loan officers with guidelines on acceptable levels of risk, given a broad range of factors.  The loan approval process is intended to assess the borrower's ability to repay the loan, the viability of the loan and the adequacy of the value of the collateral that will secure the loan, if applicable.

The board of directors grants loan officers individual lending authority to approve extensions of credit.  The level of authority for loan officers varies based upon the loan type, total relationship, form of collateral and risk rating of the borrower. Each loan officer is charged with the responsibility of achieving high credit standards.  Individual lending authority can be increased, suspended or removed by the board of directors, as recommended by the President or Executive Vice President and Chief Credit Officer.

If a loan is in excess of any individual loan officer's lending authority, the extension of credit must be referred to the Officer Loan Committee ("OLC").  The OLC is comprised of the President (serving as chairman), the Executive Vice President and Chief Credit Officer (serving as chair in the absence of the President), the Senior Vice President and General Counsel, as well as other members of the management team and retail and commercial lenders as may be appointed by the President. The OLC has authority to approve all commercial loans, and one-to-four family residential real estate loans where the total related credit is $1 million or less which are not within the lenders' individual authority.  In addition, the OLC may approve all municipal loans, where the total related credit is $2.5 million or less, and the individual loan amount is $2.5 million or less for rated municipal loans, and $1.5 million for unrated credits. The OLC has the authority to approve all consumer loans where the total related credit is $2.5 million or less and the individual loan amount is $200,000 for unsecured loans or $750,000 for secured loans. The Executive Loan Committee, which consists of members of the Bank's board of directors, must approve all extensions of credit in excess of the limits for the OLC and lenders individual authority.
 

 
Loans to One Borrower

Under New York law, New York commercial banks are subject to loans-to-one borrower limits, which are substantially similar as those applicable to national banks, which restrict loans to one borrower to an amount equal to 15% of unimpaired capital and unimpaired surplus, which was $10.8 million at December 31, 2016, on an unsecured basis, and an additional amount equal to 10% of unimpaired capital and unimpaired surplus, which was $7.2 million at December 31, 2016, if the loan is secured by readily marketable collateral (generally, financial instruments and bullion, but not real estate), subject to exceptions.

Additionally, our internal loan policies limit the total related credit to be extended to any one borrower (after application of the rules of attribution), with respect to any and all loans with Pathfinder Bank to 10% of tier 1 and 2 capital, subject to certain exceptions.  The indebtedness includes all credit exposure whether direct or contingent, used or unused.

ASSET QUALITY

Loan Delinquencies and Collection Procedures

When a loan becomes delinquent, we make attempts to contact the borrower to determine the cause of the delayed payments and seek a solution to permit the loan to be brought current within a reasonable period of time.  The outcome can vary with each individual borrower.  In the case of mortgage loans and consumer loans, a late notice is sent 15 days after an account becomes delinquent.  If delinquency persists, notices are sent at the 30 day delinquency mark, the 45 day delinquency mark and the 60 day delinquency mark.  We also attempt to establish telephone contact with the borrower early on in the process.  In the case of residential mortgage loans, included in every late notice is a letter that includes information regarding home-ownership counseling.  As part of a workout agreement, we will accept partial payments during the month in order to bring the account current.  If attempts to reach an agreement are unsuccessful and the customer is unable to comply with the terms of the workout agreement, we will review the account to determine if foreclosure is warranted, in which case, consistent with New York law, we send a 90 day notice of foreclosure and then a 30 day notice before legal proceedings are commenced. A consumer final demand letter is sent in the case of a consumer loan.  In the case of commercial loans and commercial mortgage loans, we follow a similar notification practice with the exception of the previously mentioned information on home-ownership counseling.  In addition, commercial loans do not require 90 day notices of foreclosure.  Generally, commercial borrowers only receive 10 day notices before legal proceedings can be commenced.  Commercial loans may experience longer workout times that may trigger a need for a loan modification that could meet the requirements of a troubled debt restructured loan.

Impaired Loans, Non-performing Loans and Troubled Debt Restructurings

The policy of the Bank is to provide a continuous assessment of the quality of its loan portfolio through the maintenance of an internal and external loan review process. The process incorporates a loan risk grading system designed to recognize degrees of risk on individual commercial and mortgage loans in the portfolio. Management is responsible for monitoring of asset quality and risk grade designations, which are communicated to the board on a regular basis.

We generally cease accruing interest on our loans when contractual payments of principal or interest have become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan is currently performing.  A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured.  When a loan is placed on non-accrual status, unpaid interest credited to income is reversed.  Interest received on non-accrual loans generally is applied against principal or interest if it is recognized on the cash basis method. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time, generally for a minimum of six months, and the ultimate collectability of the total contractual principal and interest is no longer in doubt.
 

 
Our Allowance for Loan and Lease Losses policy ("ALLL") establishes criteria for selecting loans to be measured for impairment based on the following:

Residential and Consumer Loans:
All loans rated substandard or worse, on nonaccrual, and above our total related credit ("TRC") threshold balance of $300,000.
All Troubled Debt Restructured Loans

Commercial Lines and Loans, Commercial Real Estate and Tax-exempt loans:
All loans rated substandard or worse, on nonaccrual, and above our TRC threshold balance of $100,000.
All Troubled Debt Restructured Loans

Impairment is measured by determining the present value of expected future cash flows or, for collateral-dependent loans, the fair value of the collateral adjusted for market conditions and selling expenses as compared to the loan carrying value.

Troubled Debt Restructurings ("TDR")

TDRs are loan restructurings in which we, for economic or legal reasons related to an existing borrower's financial difficulties, grant a concession to the debtor that we would not otherwise consider. Typically, a troubled debt restructuring involves a modification of terms of debt, such as reduction of the stated interest rate for the remaining original life of the debt, extension of the maturity date at a stated interest rate lower than the current market rate for new debt with similar risk, reduction of the face amount of the debt, or reduction of accrued interest.  We consider modifications only after analyzing the borrower's current repayment capacity, evaluating the strength of any guarantors based on documented current financial information, and assessing the current value of any collateral pledged.  These modifications are made only when there is a reasonable and attainable workout plan that has been agreed to by the borrower and that is in our best interests.  Some examples of residential TDRs include restructures encouraged by the Federal Government's HAMP and HARP Programs, in which we have participated.

Loans on non-accrual status at the date of modification are initially classified as non-accrual troubled debt restructurings.  Our policy provides that troubled debt restructured loans are returned to accrual status after a period of satisfactory and reasonable future payment performance under the terms of the restructuring.  Satisfactory payment performance is generally no less than six consecutive months of timely payments and demonstrated ability to continue to repay.

Foreclosed real estate

Fair values for foreclosed real estate are initially recorded based on market value evaluations by third parties, less costs to sell ("initial cost basis").  Any write-downs required when the related loan receivable is exchanged for the underlying real estate collateral at the time of transfer to foreclosed real estate are charged to the allowance for loan losses.  Values are derived from appraisals of underlying collateral or discounted cash flow analysis.  Subsequent to foreclosure, valuations are updated periodically and assets are marked to current fair value, not to exceed the initial cost basis.  In the determination of fair value subsequent to foreclosure, management also considers other factors or recent developments, such as, changes in absorption rates and market conditions from the time of valuation, and anticipated sales values considering management's plans for disposition.  Either change could result in adjustment to lower the property value estimates indicated in the appraisals.

Loan delinquencies together with properties within our Foreclosed Real Estate portfolio are reviewed monthly by the board of directors.

Classified Assets

Federal regulations provide for the classification of loans and other assets, such as debt and equity securities considered by the FDIC to be of lesser quality, as "substandard," "doubtful" or "loss."  An asset is considered "substandard" if it is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any.  "Substandard" assets include those characterized by the "distinct possibility" that the insured institution will sustain "some loss" if the deficiencies are not corrected.  Assets classified as "doubtful" have all of the weaknesses inherent in those classified "substandard," with the added characteristic that the weaknesses present make "collection or liquidation in full," on the basis of currently existing facts, conditions, and values, "highly questionable and improbable."  Assets classified as "loss" are those considered "uncollectible" and of such little value that their continuance as assets without the establishment of a specific allowance for loan losses is not warranted.  Assets that do not currently expose the insured institution to sufficient risk to warrant classification in one of the aforementioned categories but possess weaknesses are designated as "special mention" by our management.

When an insured institution classifies problem assets as either substandard or doubtful, it may establish general allowances in an amount deemed prudent by management to cover losses that are both probable and reasonable to estimate.  General allowances represent allowances which have been established to cover accrued losses associated with lending activities that are both probable and reasonable to estimate, but which, unlike specific allowances, have not been allocated to particular problem assets.  When an insured institution classifies problem assets as "loss," it is required either to establish a specific allowance for losses equal to 100% of that portion of the asset so classified or to charge-off such amount.  An institution's determination as to the classification of its assets and the amount of its valuation allowances is subject to review by the regulatory authorities, which may require the establishment of additional general or specific allowances.

In connection with the filing of our periodic regulatory reports and in accordance with our classification of assets policy, we continuously assess the quality of our loan portfolio and we regularly review the problem loans in our loan portfolio to determine whether any loans require classification in accordance with applicable regulations.  Loans are listed on the "watch list" initially because of emerging financial weaknesses even though the loan is currently performing in accordance with its terms, or delinquency status, or if the loan possesses weaknesses although currently performing.  Management reviews the status of our loan portfolio delinquencies, by loan types, with the full board of directors on a monthly basis.  Individual classified loan relationships are discussed as warranted. If a loan deteriorates in asset quality, the classification is changed to "special mention,"  "substandard,"  "doubtful" or "loss" depending on the circumstances and the evaluation. Generally, loans 90 days or more past due are placed on nonaccrual status and classified "substandard."

We also employ a risk grading system for our loans to help assure that we are not taking unnecessary and/or unmanageable risk.  The primary objective of the loan risk grading system is to establish a method of assessing credit risk to further enable management to measure loan portfolio quality and the adequacy of the allowance for loan losses.  Further, we contract with an external loan review firm to complete a credit risk assessment of the loan portfolio on a regular basis to help determine the current level and direction of our credit risk.  The external loan review firm communicates the results of their findings to the Executive Loan Committee in writing and by periodically attending the Executive Loan Committee meetings. Any material issues discovered in an external loan review are also communicated immediately to the President of the Bank.  See Note 5 to the consolidated financial statements for further details on the Company's credit quality indicators that define our risk grading system.


Allowance for Loan Losses

The allowance for loan losses represents management's estimate of losses inherent in the loan portfolio as of the date of the statement of condition and it is recorded as a reduction of loans.  The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated.  Management performs a quarterly evaluation of the adequacy of the allowance.  The allowance is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries.  Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance.  All or part of the principal balance of loans receivable are charged off to the allowance as soon as it is determined that the repayment of all or part of the principal balance is highly unlikely.  Non-residential consumer loans are generally charged off no later than 120 days past due on a contractual basis, unless productive collection efforts are providing results.  Consumer loans may be charged off earlier in the event of bankruptcy, or if there is an amount that is deemed uncollectible.  No portion of the allowance for loan losses is restricted to any individual loan type and the entire allowance is available to absorb any and all loan losses.

The allowance is based on three major components which are: (i) specific components for impaired loans, (ii) recent historical losses and several qualitative factors applied to a general pool of loans, and (iii) an unallocated component.

The first component is the specific allowance that relates to loans that are classified as impaired.  For these loans, an allowance is established when the discounted cash flows or collateral value of the impaired loan are lower than the carrying value of the loan.  A loan is considered impaired when, based on current information and events, it is probable that we will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Impairment is measured by either the present value of the expected future cash flows discounted at the loan's effective interest rate or the fair value of the underlying collateral if the loan is collateral dependent.  The majority of our loans utilize the fair value of the underlying collateral.  Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due.  Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and shortfalls on a case-by case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length and reason for the delay, the borrower's prior payment record and the amount of shortfall in relation to what is owed.

The second component is the general allowance which covers pools of loans, by loan class, not considered impaired, smaller balance homogenous loans, such as residential real estate, home equity and other consumer loans.  These pools of loans are evaluated for loss exposure based on historical loss rates for each of these categories of loans. The ratio of net charge-offs to loans outstanding within each loan class over the most recent eight quarters, lagged by one quarter, is used to generate the historical loss rates.  In addition, qualitative factors are added to the historical loss rates in arriving at the total allowance for loan losses needed for this general pool of loans.  The qualitative factors include changes in national and local economic trends, the rate of growth in the portfolio, trends of delinquencies and nonaccrual balances, changes in loan policy, and changes in lending management experience and related staffing.  Each factor is assigned a value to reflect improving, stable or declining conditions based on management's best judgment using relevant information available at the time of the evaluation.

These qualitative factors, applied to each product class, make the evaluation inherently subjective, as it requires material estimates that may be susceptible to significant revision as more information becomes available.

The third component may consist of an unallocated allowance which is maintained to cover uncertainties that could affect management's estimate of probable losses.  The unallocated component of the allowance, when present,  reflects an additional margin for potential imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio.  This component would typically be appropriate in times of significant economic dislocations or uncertainties in either, or both, the local and national economies.  The unallocated allowance generally comprises less than 10% of the total allowance for loan losses and can be as little as 0% of total allowance as was the case in at December 31, 2016 and December 31, 2015.
 

 
When a loan is determined to be impaired, we will reevaluate the collateral which secures the loan. For real estate loans, we will obtain a new appraisal or broker's opinion, whichever is considered to provide the most accurate value in the event of sale. An evaluation of equipment held as collateral will be obtained from an independent firm able to provide such an evaluation. Collateral will be inspected not less than annually for all impaired loans and will be reevaluated not less than every two years.  Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value.  The discounts also include estimated costs to sell the property. For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower's financial statements, inventory reports, accounts receivable agings or equipment appraisals or invoices.  Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets.

Large groups of homogeneous loans are evaluated for impairment in the aggregate.  Accordingly, we do not separately identify individual residential mortgage loans with outstanding principal balances less than $300,000, home equity and other consumer loans for impairment disclosures. We make exceptions to this general rule when such loans are (1) rated substandard or worse, on nonaccrual status and are related to borrowers with total related credit exposure in excess of our threshold balance of $300,000; or (2) the loans are subject to a troubled debt restructuring agreement.

In addition, the FDIC and NYSDFS, as an integral part of their examination process, periodically review our allowance for loan losses and may require us to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management.  Based on management's comprehensive analysis of the loan portfolio, we believe the current level of the allowance for loan losses is adequate.

INVESTMENT ACTIVITIES

Our investment policy is established by the board of directors. Our investment policy dictates that investment decisions will be made based on the safety of the investment, liquidity requirements, potential returns, cash flow targets, and consistency with our interest rate risk management objectives. The Asset Liability Management Committee (the "ALCO") of the board of directors acts in the capacity of an investment committee and is responsible for overseeing our investment program and evaluating on an ongoing basis our investment policy and objectives. Our President, Chief Financial Officer and Chief Investment Officer have the authority to purchase and sell securities within specific guidelines established by the investment policy.  All transactions are reviewed by the board of directors at its regular meetings.

All investment securities must meet regulatory guidelines and be permissible bank investments.  Our investment securities include United States Government obligations, securities of various federal agencies and of state and municipal governments, deposits at the FHLBNY, certificates of deposit at federally insured institutions, and federal funds.  Within certain regulatory limits, we may also invest a portion of our assets in mutual funds, equity securities and investment grade corporate debt securities.  As part of our membership in the FHLBNY, we are required to maintain a dividend-earning investment in FHLBNY stock.

All securities purchased will be classified at the time of purchase as either held-to-maturity or available-for-sale. We do not maintain a trading account. Securities purchased with the intent and ability to hold until maturity will be classified as held-to-maturity. Securities placed in the held-to-maturity category will be accounted for at amortized cost.

Securities that do not qualify or are not categorized as held-to-maturity are classified as available-for-sale. This classification includes securities that may be sold in response to changes in interest rates, the security's prepayment risk, liquidity needs, the availability of and the yield on alternative investments, and funding sources and terms. These securities are reported at fair value, which is determined on a monthly basis.  Unrealized gains and losses are
reported as a separate component of capital, net of tax. The aggregate change in value of the portfolio is reported to the board of directors monthly.
 

 
The general objectives of the investment portfolio are to assist in the overall interest rate risk management of Pathfinder Bank, generate a reasonable rate of return consistent with the safety of principal, provide a source of liquidity, minimize our tax liability, and mitigate our interest rate and credit risk. We purchase securities to provide necessary liquidity for day-to-day operations and when investable funds exceed loan demand. The effect that the proposed security would have on our credit and interest rate risk and risk-based equity is also considered.

Securities classified as held-to-maturity, other than mortgage-backed securities and collateralized mortgage obligations, consist primarily of state and political subdivision securities, and to a lesser extent, federal agency obligations and corporate securities.  Our securities classified as available-for-sale consist primarily of corporate securities and federal agency obligations, which include Federal Farm Credit Bank notes, FHLBNY notes, Fannie Mae notes and Federal Home Loan Mortgage Corporation ("Freddie Mac") notes.  For a discussion on mortgage backed securities, see "Mortgage-Backed Securities and Collateralized Mortgage Obligations."

Included within the available-for-sale portfolio is one mutual fund position.  The mutual fund is backed by adjustable-rate mortgage-backed securities and cash equivalents.

We also have an investment in FHLBNY stock which is classified separately from securities due to the restrictions on sale or transfer.  For further information regarding our securities portfolio, see Note 4 to the consolidated financial statements.

As a hedge against rising short-term interest rates, the Company sold a U.S. Treasury security in the amount of $25 million during the fourth quarter of 2016.  The Company was in controlling possession of, but did not own, the security which had been received as collateral, under an industry-standard repurchase agreement, for a 30-day no interest loan of approximately $25 million to an unrelated third party. The sale of this security provided the funds necessary to advance the loan to the third party and placed the Company in what is generally described as a "short position" with respect to the sold U.S. Treasury security. This transaction acted as a hedge against rising short-term interest rates because the price of the security would be expected to decline in a rising short-term interest rate environment and could be subsequently re-acquired at the conclusion of the 30-day loan period at a price lower than the price at which it was originally sold.  Short-term rates rose during the 30-day loan period and, consequently, the Company recognized a gain on the sale of securities in the amount of $85,000 and a tax benefit of $34,000 when the Treasury security was repurchased.  The tax benefit arose from the reversal of reserves established in prior years against the Company's deferred tax asset position as the transaction gain was characterized as a capital gain for tax purposes.  This capital gain was essentially tax free to the Company as the result of the utilization of existing, previously reserved-for, capital loss tax carryforwards that were established in 2011 and 2013. The recognized tax benefit reduced the Company's effective tax rate from what would have been 26.6% to 25.2% in 2016.  The gain income and the recognized tax benefits derived from this transaction were partially offset by an additional $54,000 in after-tax interest expense that increased interest expense and therefore reduced pretax net interest margin by $82,000 in the fourth quarter of 2016.  In total, after-tax net income was increased by approximately $65,000 during the fourth quarter of 2016 as a result of this transaction. Prior to the commencement of this transaction, the Company incurred consulting and placement fees of $59,000, of which $53,000 has been recorded on the Company's Consolidated Statements of Condition as deferred fees. These deferred fees will be recognized ratably as interest expense on the occasions that this hedging position is reestablished in future periods.  The hedge position was closed on December 23, 2016 and, other than the deferred fees of $53,000 discussed above, had no effect on the Company's consolidated financial condition at December 31, 2016.


MORTGAGE-BACKED SECURITIES AND COLLATERALIZED MORTGAGE OBLIGATIONS

We purchase mortgage-backed securities and collateralized mortgage obligations guaranteed by Fannie Mae, Freddie Mac and the Government National Mortgage Association ("Ginnie Mae"). We invest in mortgage-backed securities and collateralized mortgage obligations to achieve positive interest rate spreads with minimal administrative expense, and to lower our credit risk. We regularly monitor the credit quality of this portfolio.

Mortgage-backed securities and collateralized mortgage obligations are created by pooling mortgages and issuing a security with an interest rate which is less than the interest rate on the underlying mortgages. These securities typically represent a participation interest in a pool of single-family or multi-family mortgages, although we focus our investments on mortgage related securities backed by one-to-four family real estate loans. The issuers of such securities pool and resell the participation interests in the form of securities to investors such as Pathfinder Bank, and in the case of government agency sponsored issues, guarantee the payment of principal and interest to investors. Mortgage-backed securities and collateralized mortgage obligations generally yield less than the loans that underlie such securities because of the cost of payment guarantees, if any, and credit enhancements. These fixed-rate securities are usually more liquid than individual mortgage loans.

Investments in collateralized mortgage obligations involve a risk that actual prepayments may differ from estimated prepayments over the life of the security, which may require adjustments to the amortization of any premium or accretion of any discount relating to such instruments, thereby changing the net yield on such securities.  There is also reinvestment risk associated with the cash flows from such securities or if such securities are redeemed by the issuer.  In addition, the market value of such securities may be adversely affected in a rising interest rate environment, particularly since all of our collateralized mortgage obligations have a fixed rate of interest.  The relatively short weighted average remaining life of our collateralized mortgage obligation portfolio mitigates our potential risk of loss in a rising interest rate environment.

SOURCES OF FUNDS

General

Deposits have traditionally been our primary source of funds for use in lending and investment activities. We also rely on advances from the FHLBNY and the Certificates of Deposit Account Registry Service ("CDARS") provided by an independent third-party, Promontory Interfinancial Network, as a form of brokered deposits. In addition to deposits and borrowings, we derive funds from scheduled loan payments, investment maturities, loan prepayments, retained earnings and income on interest-earning assets. While scheduled loan payments and income on interest-earning assets are relatively stable sources of funds, deposit inflows and outflows can vary widely and are influenced by prevailing market interest rates, economic conditions and competition from other financial institutions.

Deposits

A majority of our depositors are persons or businesses who work or reside or operate in Oswego and Onondaga Counties. We offer a variety of deposits, including checking, savings, money market deposit accounts, and certificates of deposit.  Deposit account terms vary, with the principal differences being the minimum balance required, the amount of time the funds must remain on deposit and the interest rate. We establish interest rates, maturity terms, service fees and withdrawal penalties on a periodic basis. Management determines the rates and terms based on rates paid by competitors, our need for funds or liquidity, overall growth goals and federal and state regulations.  The flow of deposits is influenced significantly by general economic conditions, changes in interest rates and competition. The variety of deposit accounts that we offer allows us to be competitive in generating deposits and to respond with flexibility to changes in our customers' demands. We believe that deposits are a stable source of funds, but our ability to attract and maintain deposits at favorable rates will be affected by market conditions, including competition and prevailing interest rates. In addition, the Bank holds municipal deposits, which have been a more volatile source of funds.
 
 

The CDARS is a form of a brokered deposit program in which we have been a participant since 2009.  In addition to offering depositors enhanced FDIC insurance coverage, being a participant in CDARS allows us to fund our balance sheet through the CDARS' One-Way Buy program. This program uses a competitive bid process for available deposits, up to $50 million, at specified terms.  These deposits work well for us because of their weekly availability, coupled with their short term duration, which allows us to more closely mirror our funding needs.   We believe this arrangement is a viable source of funding provided that we maintain our "well-capitalized" status.  See Note 11 to the consolidated financial statements for further details on our brokered deposits.

Borrowings

We may obtain advances primarily from the FHLBNY utilizing the security of the common stock we own in the FHLBNY and qualifying residential mortgage loans as collateral, provided certain standards related to creditworthiness are met.  These advances are made pursuant to several credit programs, each of which has its own interest rate and range of maturities. FHLBNY advances are generally available to meet seasonal and other withdrawals of deposit accounts and to permit increased lending.

In addition to the above borrowing capability, on October 15, 2015, the Company executed the $10.0 million non-amortizing Subordinated Loan with an unrelated third party that is scheduled to mature on October 1, 2025. The Company has the right to prepay the Subordinated Loan at any time after October 15, 2020 without penalty.  The Subordinated Loan is senior in the Company's credit repayment hierarchy only to the Company's common equity and, as a result, qualifies as Tier 2 capital for the Company for all future periods when applicable.  The cost of funds related to this transaction is 6.44% calculated under the effective interest method.

SUPERVISION AND REGULATION

General
Pathfinder Bank is a New York-chartered stock commercial bank and the Company is a Maryland corporation and a registered bank holding company. Pathfinder Bank's deposits are insured up to applicable limits by the FDIC. Pathfinder Bank is subject to extensive regulation by NYSDFS, as its chartering agency, and by the FDIC, its primary federal regulator and deposit insurer. Pathfinder Bank is required to file reports with, and is periodically examined by, the FDIC and the NYSDFS concerning its activities and financial condition and must obtain regulatory approvals prior to entering into certain transactions, including, but not limited to, mergers with or acquisitions of other financial institutions. As a registered bank holding company, the Company is regulated by the Federal Reserve Board.

The regulatory and supervisory structure establishes a comprehensive framework of activities in which an institution can engage and is intended primarily for the protection of depositors and the deposit insurance funds, rather than for the protection of shareholders and creditors. The regulatory structure also gives the regulatory authorities extensive discretion in connection with their supervisory and enforcement activities and examination policies, including policies concerning the establishment of deposit insurance assessment fees, classification of assets and establishment of adequate loan loss reserves for regulatory purposes. Any change in such regulatory requirements and policies, whether by the New York State legislature, the NYSDFS, the FDIC, the Federal Reserve Board or the United States Congress, could have a material adverse impact on the financial condition and results of operations of the Company and Pathfinder Bank. As is further described below, the Dodd-Frank Act has significantly changed the bank regulatory structure and may affect the lending, investment and general operating activities of depository institutions and their holding companies.

Set forth below is a summary of certain material statutory and regulatory requirements applicable to the Company and Pathfinder Bank. The summary is not intended to be a complete description of such statutes and regulations and their effects on the Company and Pathfinder Bank.
 
 

The Dodd-Frank Act

The Dodd-Frank Act significantly changed bank regulation and has affected the lending, investment, trading and operating activities of depository institutions and their holding companies. The Dodd-Frank Act created a new Consumer Financial Protection Bureau with extensive powers to supervise and enforce consumer protection laws.  The Consumer Financial Protection Bureau has broad rule-making authority for a wide range of consumer protection laws that apply to all banks and savings institutions, including the authority to prohibit "unfair, deceptive or abusive" acts and practices.  The Consumer Financial Protection Bureau also has examination and enforcement authority over all banks and savings institutions with more than $10 billion in assets.  Banks and savings institutions with $10 billion or less in assets, such as Pathfinder Bank, continue to be examined by their applicable federal bank regulators.  The Dodd-Frank Act also gave state attorneys general the ability to enforce applicable federal consumer protection laws.

The Dodd-Frank Act broadened the base for FDIC assessments for deposit insurance and permanently increased the maximum amount of deposit insurance to $250,000 per depositor.  The Dodd-Frank Act also, among other things, required originators of certain securitized loans to retain a portion of the credit risk, stipulated regulatory rate-setting for certain debit card interchange fees, repealed restrictions on the payment of interest on commercial demand deposits and contained a number of reforms related to mortgage originations.  The Dodd-Frank Act increased the ability of shareholders to influence boards of directors by requiring companies to give shareholders a non-binding vote on executive compensation and so-called "golden parachute" payments. The Dodd-Frank Act also directed the Federal Reserve Board to promulgate rules prohibiting excessive compensation paid to company executives, regardless of whether the company is publicly traded or not.

Many of the provisions of the Dodd-Frank Act are subject to delayed effective dates or require implementing regulations and, therefore, their impact on our operations cannot be fully determined for some time.  However, the Dodd-Frank Act has increased the regulatory burden, compliance costs and interest expense for Pathfinder Bank and the Company.

New York Bank Regulation

Pathfinder Bank derives its lending, investment, branching and other authority primarily from the applicable provisions of New York State Banking Law and the regulations of the NYSDFS, as limited by federal laws and regulations.  Under these laws and regulations, commercial banks, including Pathfinder Bank, may invest in real estate mortgages, consumer and commercial loans, certain types of debt securities, including certain corporate debt securities and obligations of federal, state and local governments and agencies, certain types of corporate equity securities and certain other assets.  Under the statutory authority for investing in equity securities, a bank may invest up to 2% of its assets or 20% of its capital, whichever is less in exchange-registered corporate stock.  Investment in the stock of a single corporation is limited to the lesser of 1% of the bank's assets or 15% of the Bank's capital.  The Bank's authority to invest in equity securities is constrained by federal law, as explained later.  Such equity securities must meet certain earnings ratios and other tests of financial performance.  A bank may also exercise trust powers upon approval of the NYSDFS.  Pathfinder Bank does not presently have trust powers.

New York State chartered banks may also invest in subsidiaries.  A bank may use this power to invest in corporations that engage in various activities authorized for banks, plus any additional activities that may be authorized by the NYSDFS.

Furthermore, New York banking regulations impose requirements on loans which a bank may make to its executive officers and directors and to certain corporations or partnerships in which such persons have equity interests.  These requirements include that (i) certain loans must be approved in advance by a majority of the entire board of directors and the interested party must abstain from participating directly or indirectly in voting on such loan, (ii) the loan must be on terms that are not more favorable than those offered to unaffiliated third parties, and (iii) the loan must not involve more than a normal risk of repayment or present other unfavorable features.
Under the New York State Banking Law, the Superintendent may issue an order to a New York State chartered banking institution to appear and explain an apparent violation of law, to discontinue unauthorized or unsafe practices and to keep prescribed books and accounts.  Upon a finding by the NYSDFS that any director, trustee or officer of any banking organization has violated any law, or has continued unauthorized or unsafe practices in conducting the business of the banking organization after having been notified by the Superintendent to discontinue such practices, such director, trustee or officer may be removed from office after notice and an opportunity to be heard.  Pathfinder Bank does not know of any past or current practice, condition or violation that may lead to any proceeding by the Superintendent or the NYSDFS against Pathfinder Bank or any of its directors or officers.
 
 

New York State Community Reinvestment Regulation

Pathfinder Bank is also subject to provisions of the New York State Banking Law which imposes continuing and affirmative obligations upon banking institutions organized in New York State to serve the credit needs of its local community ("NYCRA") which are substantially similar to those imposed by the Federal Community Reinvestment Act ("CRA").  Pursuant to the NYCRA, a bank must file an annual NYCRA report and copies of all federal CRA reports with the NYSDFS.  The NYCRA requires the NYSDFS to make a biennial written assessment of a bank's compliance with the NYCRA, utilizing a four-tiered rating system and make such assessment available to the public.  The NYCRA also requires the Superintendent to consider a bank's NYCRA rating when reviewing a bank's application to engage in certain transactions, including mergers, asset purchases and the establishment of branch offices or automated teller machines, and provides that such assessment may serve as a basis for the denial of any such application. Pathfinder Bank's NYCRA most recent rating, dated December 31, 2012, was "satisfactory."  As of the date of the issuance of this filing, Pathfinder Bank is awaiting the results of a NYCRA examination by the NYSDFS.  Management believes that the examination was routine in nature and that we are in substantial compliance with all applicable regulations related to NYCRA. 

Federal Regulations

Capital Requirements. Federal regulations require federally insured depository institutions to meet several minimum capital standards:  a common equity Tier 1 capital to risk-based assets ratio of 4.5%, a Tier 1 capital to risk-based assets ratio of 6.0%, a total capital to risk-based assets of 8.0%, and a 4.0% Tier 1 capital to total assets leverage ratio.  These capital requirements were effective January 1, 2015 and are the result of a final rule implementing recommendations of the Basel Committee on Banking Supervision and certain requirements of the Dodd-Frank Act.
In determining the amount of risk-weighted assets for purposes of calculating risk-based capital ratios, all assets, including certain off-balance sheet assets (e.g., recourse obligations, direct credit substitutes, residual interests) are multiplied by a risk weight factor assigned by the regulations based on the risks believed inherent in the type of asset.  Higher levels of capital are required for asset categories believed to present greater risk.  Common equity Tier 1 capital is generally defined as common stockholders' equity and retained earnings.  Tier 1 capital is generally defined as common equity Tier 1 and additional Tier 1 capital.  Additional Tier 1 capital includes certain noncumulative perpetual preferred stock and related surplus and minority interests in equity accounts of consolidated subsidiaries.  Total capital includes Tier 1 capital (common equity Tier 1 capital plus additional Tier 1 capital) and Tier 2 capital.  Tier 2 capital is comprised of capital instruments and related surplus, meeting specified requirements, and may include cumulative preferred stock and long-term perpetual preferred stock, mandatory convertible securities, intermediate preferred stock and subordinated debt.  Also included in Tier 2 capital is the allowance for loan and lease losses limited to a maximum of 1.25% of risk-weighted assets and, for institutions that have exercised an opt-out election regarding the treatment of Accumulated Other Comprehensive Income, up to 45% of net unrealized gains on available-for-sale equity securities with readily determinable fair market values.  Pathfinder Bank exercised the opt-out election.  Calculation of all types of regulatory capital is subject to deductions and adjustments specified in the regulations.  In assessing an institution's capital adequacy, regulators take into consideration, not only these numeric factors, but qualitative factors as well, and has the authority to establish higher capital requirements for individual institutions when and where deemed necessary.
 
 
In addition to establishing the minimum regulatory capital requirements, the regulations limit capital distributions and certain discretionary bonus payments to management if the institution does not hold a "capital conservation buffer" consisting of 2.5% of common equity Tier 1 capital to risk-weighted asset above the amount necessary to meet its minimum risk-based capital requirements.  The capital conservation buffer requirement is being phased in beginning January 1, 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented at 2.5% on January 1, 2019.  The buffer requirement rose to 1.25% on January 1, 2017.
Standards for Safety and Soundness. As required by statute, the federal banking agencies have adopted final regulations and Interagency Guidelines Establishing Standards for Safety and Soundness to implement safety and soundness standards. The guidelines set forth the safety and soundness standards that the federal banking agencies use to identify and address problems at insured depository institutions before capital becomes impaired. The guidelines address internal controls and information systems, internal audit systems, credit underwriting, loan documentation, interest rate exposure, asset growth, asset quality, earnings, compensation, fees and benefits and, more recently, safeguarding customer information. If the appropriate federal banking agency determines that an institution fails to meet any standard prescribed by the guidelines, the agency may require the institution to submit to the agency an acceptable plan to achieve compliance with the standard.

Business and Investment Activities.  Under federal law, all state-chartered FDIC-insured banks, including commercial banks, have been limited in their activities as principal and in their equity investments to the type and the amount authorized for national banks, notwithstanding state law. Federal law permits certain exceptions to these limitations.

The FDIC is also authorized to permit state banks to engage in state authorized activities or investments not permissible for national banks (other than non-subsidiary equity investments) if they meet all applicable capital requirements and it is determined that such activities or investments do not pose a significant risk to the FDIC insurance fund. The FDIC has adopted regulations governing the procedures for institutions seeking approval to engage in such activities or investments. The Gramm-Leach-Bliley Act of 1999 specified that a state bank may control a subsidiary that engages in activities as principal that would only be permitted for a national bank to conduct in a "financial subsidiary," if a bank meets specified conditions and deducts its investment in the subsidiary for regulatory capital purposes.

Prompt Corrective Regulatory Action. Federal law requires, among other things, that federal bank regulatory authorities take "prompt corrective action" with respect to banks that do not meet minimum capital requirements. For these purposes, the law establishes five capital categories: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized.

The regulations were amended to incorporate the previously mentioned increased regulatory capital standards that were effective January 1, 2015.  Under the amended regulations, an institution is deemed to be "well capitalized" if it has a total risk-based capital ratio of 10.0% or greater, a Tier 1 risk-based capital ratio of 8.0% or greater, a leverage ratio of 5.0% or greater and a common equity Tier 1 ratio of 6.5% or greater. An institution is "adequately capitalized" if it has a total risk-based capital ratio of 8.0% or greater, a Tier 1 risk-based capital ratio of 6.0% or greater, a leverage ratio of 4.0% or greater and a common equity Tier 1 ratio of 4.5% or greater. An institution is "undercapitalized" if it has a total risk-based capital ratio of less than 8.0%, a Tier 1 risk-based capital ratio of less than 6.0%, a leverage ratio of less than 4.0% or a common equity Tier 1 ratio of less than 4.5%. An institution is deemed to be "significantly undercapitalized" if it has a total risk-based capital ratio of less than 6.0%, a Tier 1 risk-based capital ratio of less than 4.0%, a leverage ratio of less than 3.0% or a common equity Tier 1 ratio of less than 3.0%. An institution is considered to be "critically undercapitalized" if it has a ratio of tangible equity (as defined in the regulations) to total assets that is equal to or less than 2.0%.
"Undercapitalized" banks must adhere to growth, capital distribution (including dividend) and other limitations and are required to submit a capital restoration plan. A bank's compliance with such a plan must be guaranteed by any company that controls the undercapitalized institution in an amount equal to the lesser of 5% of the institution's total assets when deemed undercapitalized or the amount necessary to achieve the status of adequately capitalized. If an "undercapitalized" bank fails to submit an acceptable plan, it is treated as if it is "significantly undercapitalized." "Significantly undercapitalized" banks must comply with one or more of a number of additional measures, including, but not limited to, a required sale of sufficient voting stock to become adequately capitalized, a requirement to reduce total assets, cessation of taking deposits from correspondent banks, the dismissal of directors or officers and restrictions on interest rates paid on deposits, compensation of executive officers and capital distributions by the parent holding company. "Critically undercapitalized" institutions are subject to additional measures including, subject to a narrow exception, the appointment of a receiver or conservator within 270 days after being designated "critically undercapitalized."
 
 

At December 31, 2016, Pathfinder Bank was well-capitalized.

Transactions with Related Parties. Transactions between a bank (and, generally, its subsidiaries) and its related parties or affiliates are limited by Sections 23A and 23B of the Federal Reserve Act. An affiliate of a bank is any company or entity that controls, is controlled by or is under common control with the bank. In a holding company context, the parent bank holding company and any companies which are controlled by such parent holding company are affiliates of the bank. Generally, Sections 23A and 23B of the Federal Reserve Act limit the extent to which the bank or its subsidiaries may engage in "covered transactions" with any one affiliate to 10% of such institution's capital stock and surplus and contain an aggregate limit on all such transactions with all affiliates to an amount equal to 20% of such institution's capital stock and surplus. The term "covered transaction" includes the making of loans, purchase of assets, issuance of a guarantee and similar transactions.

In addition, loans or other extensions of credit by the institution to the affiliate are required to be collateralized in accordance with specified requirements. The law also requires that affiliate transactions be on terms and conditions that are substantially the same, or at least as favorable to the institution, as those provided to non-affiliates.

Pathfinder Bank's authority to extend credit to its directors, executive officers and 10% shareholders, as well as to entities controlled by such persons, is currently governed by the requirements of Sections 22(g) and 22(h) of the Federal Reserve Act and Regulation O of the Federal Reserve Board.  Among other things, these provisions generally require that extensions of credit to insiders:
be made on terms that are substantially the same as, and follow credit underwriting procedures that are not less stringent than, those prevailing for comparable transactions with unaffiliated persons and that do not involve more than the normal risk of repayment or present other unfavorable features; and
not exceed certain limitations on the amount of credit extended to such persons, individually and in the aggregate, which limits are based, in part, on the amount of Pathfinder Bank's capital.
In addition, extensions of credit in excess of certain limits must be approved by Pathfinder Bank's board of directors.  Extensions of credit to executive officers are subject to additional limits based on the type of extension involved.

Enforcement. The FDIC has extensive enforcement authority over insured state banks, including Pathfinder Bank. That enforcement authority includes, among other things, the ability to assess civil money penalties, issue cease and desist orders and remove directors and officers. In general, enforcement actions may be initiated in response to violations of laws and regulations and unsafe or unsound practices. The FDIC also has authority under federal law to appoint a conservator or receiver for an insured bank under certain circumstances. The FDIC is required, with certain exceptions, to appoint a receiver or conservator for an insured state non-member bank if the bank was "critically undercapitalized" on average during the calendar quarter beginning 270 days after the date on which the institution became "critically undercapitalized."

Federal Insurance of Deposit Accounts.  The Dodd-Frank Act permanently increased the maximum amount of deposit insurance for banks, savings institutions and credit unions to $250,000 per depositor.  
The FDIC assesses insured depository institutions to maintain its Deposit Insurance Fund.  Under the FDIC's risk-based assessment system, institutions deemed less risky pay lower assessments.  Assessments for institutions of less than $10 billion of assets are now based on financial measures and supervisory ratings derived from statistical modeling estimating the probability of failure of an institution's failure within three years.  That technique, effective July 1, 2016, replaced the previous system under which institutions were placed into risk categories.
 
The Dodd-Frank Act required the FDIC to revise its procedures to base assessments upon each insured institution's total assets less tangible equity instead of deposits.  The FDIC finalized a rule, effective April 1, 2011, that set the assessment range at 2.5 to 45 basis points of total assets less tangible equity.  In conjunction with the Deposit Insurance Fund's reserve ratio achieving 1.15%, the assessment range (inclusive of possible adjustments) was reduced for insured institutions of less than $10 billion of total assets to 1.5 basis points to 30 basis points, effective July 1, 2016.
The Dodd-Frank Act increased the minimum target Deposit Insurance Fund ratio from 1.15% of estimated insured deposits to 1.35% of estimated insured deposits.  The Federal Deposit Insurance Corporation must seek to achieve the 1.35% ratio by September 30, 2020.  The Dodd-Frank Act requires insured institutions with assets of $10 billion or more to fund the increase from 1.15% to 1.35% and, effective July 1, 2016, such institutions are subject to a surcharge to achieve that goal.  The Dodd-Frank Act eliminated the 1.5% maximum fund ratio, instead leaving it to the discretion of the Federal Deposit Insurance Corporation, and the Federal Deposit Insurance Corporation has exercised that discretion by establishing a long-range fund ratio of 2%.

In addition to the FDIC assessments, the  United States government-sponsored enterprise known as the Financing Corporation ("FICO") is authorized to impose and collect, with the approval of the FDIC, assessments for anticipated payments, issuance costs and custodial fees on bonds issued by the FICO in the 1980s to recapitalize the former Federal Savings and Loan Insurance Corporation. The bonds issued by the FICO are due to mature in 2017 through 2019. The FICO assessment rate is adjusted quarterly to reflect changes in the assessment base as determined from quarterly Call Report submissions.  For the quarter ended December 31, 2016, the annualized Financing Corporation assessment was equal to 0.56 of a basis point of total assets less tangible capital.
The FDIC has authority to increase insurance assessments.  Any significant increase would have an adverse effect on the operating expenses and results of operations of Pathfinder Bank.  Management cannot predict what assessment rates will be in the future.
Insurance of deposits may be terminated by the FDIC upon a finding that an institution has engaged in unsafe or unsound practices, is in an unsafe or unsound condition to continue operations or has violated any applicable law, regulation, rule, order or condition imposed by the FDIC.  We do not currently know of any practice, condition or violation that may lead to termination of our deposit insurance.
Community Reinvestment Act. Under the CRA, a bank has a continuing and affirmative obligation, consistent with its safe and sound operation, to help meet the credit needs of its entire community, including low and moderate income neighborhoods. The CRA does not establish specific lending requirements or programs for financial institutions nor does it limit an institution's discretion to develop the types of products and services that it believes are best suited to its particular community. The CRA does require the FDIC, in connection with its examination of a bank, to assess the institution's record of meeting the credit needs of its community and to take such record into account in its evaluation of certain applications by such institution, including applications to establish or acquire branches and merger with other depository institutions. The CRA requires the FDIC to provide a written evaluation of an institution's CRA performance utilizing a four-tiered descriptive rating system. Pathfinder Bank's latest FDIC CRA rating, dated March 11, 2016, was "satisfactory."

Federal Reserve System. The Federal Reserve Board regulations require depository institutions to maintain non-interest-earning reserves against their transaction accounts (primarily negotiable order of withdrawal (NOW) and regular checking accounts).  The regulations generally provide that reserves be maintained against aggregate transaction accounts as follows: a 3% reserve ratio is assessed on net transaction accounts up to and including $115.1 million; a 10% reserve ratio is applied above $115.1 million.  The first $15.5 million of otherwise reservable balances are exempted from the reserve requirements.  The amounts are adjusted annually.  Pathfinder Bank complies with the foregoing requirements.
 
 

Federal Home Loan Bank System.  Pathfinder Bank is a member of the Federal Home Loan Bank System, which consists of twelve regional Federal Home Loan Banks.  The Federal Home Loan Bank System provides a central credit facility primarily for member institutions as well as other entities involved in home mortgage lending.  As a member of the FHLBNY, Pathfinder Bank is required to acquire and hold a specified amount of shares of capital stock in the FHLBNY.  As of December 31, 2016, Pathfinder Bank was in compliance with this requirement.

Other Regulations
Interest and other charges collected or contracted for by Pathfinder Bank are subject to state usury laws and federal laws concerning interest rates.  Pathfinder Bank's operations are also subject to federal laws applicable to credit transactions, such as the:
Truth-In-Lending Act, governing disclosures of credit terms to consumer borrowers;

Real Estate Settlement Procedures Act, requiring that borrowers for mortgage loans for one-to-four family residential real estate receive various disclosures, including good faith estimates of settlement costs, lender servicing and escrow account practices, and prohibiting certain practices that increase the cost of settlement services;

The TILA-RESPA Integrated Disclosure Rule, commonly known as the TRID rule, which became effective on October 3, 2015.  This rule amended the Truth in Lending Act and the Real Estate Settlement Procedures Act to integrate several consumer disclosures for mortgage loans.

Home Mortgage Disclosure Act, requiring financial institutions to provide information to enable the public and public officials to determine whether a financial institution is fulfilling its obligation to help meet the housing needs of the community it serves;

Equal Credit Opportunity Act, prohibiting discrimination on the basis of race, creed or other prohibited factors in extending credit;

Fair Credit Reporting Act, governing the use and provision of information to credit reporting agencies;

Fair Debt Collection Act, governing the manner in which consumer debts may be collected by collection agencies;

Truth in Savings Act; and

Rules and regulations of the various federal agencies charged with the responsibility of implementing such federal laws.

Right to Financial Privacy Act, which imposes a duty to maintain confidentiality of consumer financial records and prescribes procedures for complying with administrative subpoenas of financial records;
Electronic Funds Transfer Act and Regulation E promulgated thereunder, which govern automatic deposits to and withdrawals from deposit accounts and customers' rights and liabilities arising from the use of automated teller machines and other electronic banking services;
Check Clearing for the 21st Century Act (also known as "Check 21"), which gives "substitute checks," such as digital check images and copies made from that image, the same legal standing as the original paper check;
USA PATRIOT Act, which requires banks operating to, among other things, establish broadened anti-money laundering compliance programs, due diligence policies and controls to ensure the detection and reporting of money laundering. Such required compliance programs are intended to supplement existing compliance requirements, also applicable to financial institutions, under the Bank Secrecy Act and the Office of Foreign Assets Control regulations; and
Gramm-Leach-Bliley Act, which places limitations on the sharing of consumer financial information by financial institutions with unaffiliated third parties. Specifically, the Gramm-Leach-Bliley Act requires all financial institutions offering financial products or services to retail customers to provide such customers with the financial institution's privacy policy and provide such customers the opportunity to "opt out" of the sharing of certain personal financial information with unaffiliated third parties.
 
Holding Company Regulation
The Company, as a bank holding company, is subject to examination, regulation, and periodic reporting under the Bank Holding Company Act of 1956, as amended, as administered by the Federal Reserve Board. The Company is required to obtain the prior approval of the Federal Reserve Board to acquire all, or substantially all, of the assets of any bank or bank holding company. Prior Federal Reserve Board approval would be required for the Company to acquire direct or indirect ownership or control of any voting securities of any bank or bank holding company if it would, directly or indirectly, own or control more than 5% of any class of voting shares of the bank or bank holding company.

A bank holding company is generally prohibited from engaging in, or acquiring, direct or indirect control of more than 5% of the voting securities of any company engaged in non-banking activities. One of the principal exceptions to this prohibition is for activities found by the Federal Reserve Board to be so closely related to banking or managing or controlling banks as to be a proper incident thereto. Some of the principal activities that the Federal Reserve Board has determined by regulation to be closely related to banking are: (i) making or servicing loans; (ii) performing certain data processing services; (iii) providing securities brokerage services; (iv) acting as fiduciary, investment or financial advisor; (v) leasing personal or real property under certain conditions; (vi) making investments in corporations or projects designed primarily to promote community welfare; and (vii) acquiring a savings association.

The Gramm-Leach-Bliley Act of 1999 authorizes a bank holding company that meets specified conditions, including depository institutions subsidiaries that are "well capitalized" and "well managed," to opt to become a "financial holding company." A "financial holding company" may engage in a broader array of financial activities than permitted a typical bank holding company. Such activities can include insurance underwriting and investment banking.  The Company has elected to be a "financial holding company."

The Dodd-Frank Act required the Federal Reserve Board to promulgate consolidated capital requirements for bank and savings and loan holding companies that are no less stringent, both quantitatively and in terms of components of capital, than those applicable to their subsidiary depository institutions.  Instruments such as cumulative preferred stock and trust-preferred securities, which are currently includable as Tier 1 capital, by bank holding companies within certain limits are no longer includable as Tier 1 capital, subject to certain grandfathering.  The previously discussed final rule regarding regulatory capital requirements implements the Dodd-Frank Act's directives as to holding company capital requirements.

In December 2014, legislation was passed by Congress that requires the Federal Reserve to revise its "Small Bank Holding Company Policy Statement" to exempt bank and savings and loan holding companies with less than $1.0 billion of consolidated assets from the consolidated capital requirements, provided that such companies meet certain other conditions such as not engaging in significant nonbanking activities.  The Federal Reserve maintains authority to apply the consolidated capital requirements to any bank or savings and loan holding company as warranted for supervisory purposes.  Regulations implementing the exemption were effective in May 2015.
 
 

A bank holding company is generally required to give the Federal Reserve Board prior written notice of any purchase or redemption of then outstanding equity securities if the gross consideration for the purchase or redemption, when combined with the net consideration paid for all such purchases or redemptions during the preceding 12 months, is equal to 10% or more of the company's consolidated net worth. The Federal Reserve Board may disapprove such a purchase or redemption if it determines that the proposal would constitute an unsafe and unsound practice, or would violate any law, regulation, Federal Reserve Board order or directive, or any condition imposed by, or written agreement with, the Federal Reserve Board. The Federal Reserve Board has adopted an exception to that approval requirement for well-capitalized bank holding companies that meet certain other conditions.  The Federal Reserve Board has issued guidance which requires consultation with the Federal Reserve Board prior to a redemption or repurchase in certain circumstances.

The Federal Reserve Board has issued a policy statement regarding the payment of dividends by bank holding companies. In general, the Federal Reserve Board's policies provide that dividends should be paid only out of current earnings and only if the prospective rate of earnings retention by the bank holding company appears consistent with the organization's capital needs, asset quality and overall financial condition. The Federal Reserve Board's policies also require that a bank holding company serve as a source of financial strength to its subsidiary banks by using available resources to provide capital funds during periods of financial stress or adversity and by maintaining the financial flexibility and capital-raising capacity to obtain additional resources for assisting its subsidiary banks where necessary. The Dodd-Frank Act codified the source of strength policy.  Under the prompt corrective action laws, the ability of a bank holding company to pay dividends may be restricted if a subsidiary bank becomes undercapitalized. These regulatory policies could affect the ability of the Company to pay dividends or otherwise engage in capital distributions.

The Federal Deposit Insurance Act makes depository institutions liable to the FDIC for losses suffered or anticipated by the insurance fund in connection with the default of a commonly controlled depository institution or any assistance provided by the FDIC to such an institution in danger of default.

The Company and Pathfinder Bank will be affected by the monetary and fiscal policies of various agencies of the United States Government, including the Federal Reserve System. In view of changing conditions in the national economy and in the money markets, it is impossible for management to accurately predict future changes in monetary policy or the effect of such changes on the business or financial condition of the Company or Pathfinder Bank.

The Company's status as a registered bank holding company under the Bank Holding Company Act will not exempt it from certain federal and state laws and regulations applicable to corporations generally, including, without limitation, certain provisions of the federal securities laws.

Federal Securities Laws

The Company's common stock is registered with the Securities and Exchange Commission under the Securities Exchange Act of 1934.  We are subject to the information, proxy solicitation, insider trading restrictions and other requirements under the Securities Exchange Act of 1934.

The registration under the Securities Act of 1933 of the Company's shares of common stock issued in the Company's stock offering does not cover the resale of those shares.  Shares of common stock purchased by persons who are not our affiliates may be resold without registration.  Shares purchased by our affiliates are subject to the resale restrictions of Rule 144 under the Securities Act of 1933.  If we meet the current public information requirements of Rule 144 under the Securities Act of 1933, each affiliate of ours that complies with the other conditions of Rule 144, including those that require the affiliate's sale to be aggregated with those of other persons, would be able to sell in the public market, without registration, a number of shares not to exceed, in any three-month period, the greater of 1% of our outstanding shares, or the average weekly volume of trading in the shares during the preceding four calendar weeks.  In the future, we may permit affiliates to have their shares registered for sale under the Securities Act of 1933.
 
 

Sarbanes-Oxley Act of 2002

The Sarbanes-Oxley Act of 2002 addresses, among other issues, corporate governance, auditing and accounting, executive compensation, and enhanced and timely disclosure of corporate information. We have prepared policies, procedures and systems designed to ensure compliance with these regulations.
 
FEDERAL AND STATE TAXATION

Federal Taxation

General.  The Bank and the Company is subject to federal income taxation in the same general manner as other corporations, with some exceptions discussed below.  The following discussion of federal taxation is intended only to summarize certain pertinent federal income tax matters and is not a comprehensive description of the tax rules applicable to the Company or the Bank.
Our federal tax return for the year ended December 31, 2014 is scheduled to be audited commencing on March 31, 2017.  Management believes that this audit is part of the Internal Revenue Service's normal audit and review cycle.  Management does not anticipate that the findings of the audit, if any, will have a material effect on the operations or the financial position of the Company.  The Company's federal tax returns have not been audited in the previous five years.
Method of Accounting.  For federal income tax purposes, the Company currently reports its income and expenses on the accrual method of accounting and uses a tax year ending December 31 for filing its federal and state income tax returns.
Bad Debt Reserves.  Prior to 1996, Pathfinder Bank was permitted to establish a reserve for bad debts and to make annual additions to the reserve. These additions could, within specified formula limits, be deducted in arriving at our taxable income. As a result of tax law changes in 1996, Pathfinder Bank was required to use the specific charge-off method in computing its bad debt deduction beginning with its 1996 federal tax return. Savings institutions were required to recapture any excess reserves over those established as of December 31, 1987 (base year reserve). At December 31, 2016, Pathfinder Bank had no reserves subject to recapture in excess of its base year reserves.  The Bank is required to use the specific charge-off method to account for tax bad debt deductions.

Taxable Distributions and Recapture.  Prior to 1996, bad debt reserves created prior to 1988 were subject to recapture into taxable income if Pathfinder Bank failed to meet certain thrift asset and definitional tests or made certain distributions.  Tax law changes in 1996 eliminated thrift-related recapture rules.  However, under current law, pre-1988 tax bad debt reserves remain subject to recapture if Pathfinder Bank makes certain non-dividend distributions, repurchases any of its common stock, pays dividends in excess of earnings and profits, or fails to qualify as a "bank" for tax purposes.  At December 31, 2016 our total federal pre-base year bad debt reserve was approximately $1.3 million.

Alternative Minimum Tax.  The Internal Revenue Code imposes an alternative minimum tax at a rate of 20% on a base of regular taxable income plus certain tax preferences, less any available exemption.  The alternative minimum tax is imposed to the extent it exceeds the regular income tax.  Net operating losses can offset no more than 90% of alternative taxable income.  Certain payments of alternative minimum tax may be used as credits against regular tax liabilities in future years.  At December 31, 2016, the Company had no such amounts available as credits for carryover.
 
 

Net Operating Loss Carryovers.  A financial institution may carry back net operating losses to the preceding two taxable years and forward to the succeeding 20 taxable years.  As of December 31, 2016, the Company does not have a federal net operating loss carryforward.

Corporate Dividends Received Deduction. The Company may exclude from its federal taxable income 100% of dividends received from Pathfinder Bank as a wholly-owned subsidiary by filing consolidated tax returns.  The corporate dividends received deduction is 80% when the corporation receiving the dividend owns at least 20% of the stock of the distributing corporation.  The dividends-received deduction is 70% when the corporation receiving the dividend owns less than 20% of the distributing corporation.
 
State Taxation

Prior to 2015, we were subject to the New York State Franchise Tax on Banking Corporations in an annual amount equal to the greater of (i) 7.1% of Pathfinder Bank's "entire net income" allocable to New York State during the taxable year, or (ii) the applicable alternative minimum tax.  The alternative minimum tax is generally the greater of (a) 0.01% of the value of Pathfinder Bank's assets allocable to New York State with certain modifications, (b) 3% of our "alternative entire net income" allocable to New York State, or (c) $1,250.

Entire net income is similar to federal taxable income, subject to certain modifications and alternative entire net income is equal to entire net income without certain modifications.  Net operating losses arising in the current period can be carried forward to the succeeding 20 taxable years.

Effective January 1, 2015, banking corporations operating in New York State began to be taxed under the New York State General Business Corporation Franchise Tax provisions.  Under this change in New York State tax law, the tax rate on the business income base (formerly "entire net income") was reduced prospectively from 7.1% to 6.5% as of January 1, 2016.  In addition, various modifications became available to community banks (defined as banks with less than $8 billion in total assets) regarding deductions associated with interest income.  The New York State alternative minimum tax was repealed effective January 1, 2015.

Our state tax returns were under audit for the years 2012-2014 by the New York State Department of Finance.  The Company received a final notice that audit was concluded on September 28, 2016, with no findings that were material to the financial position of the Company or its future operations.  Our state tax returns had not been audited in the five years previous to the audit concluded on September 28, 2016.

As a Maryland business corporation, the Company is required to file an annual report with, and pay franchise taxes to, the State of Maryland.

ITEM 1A: RISK FACTORS

Not required of a smaller reporting company.

ITEM 1B:  UNRESOLVED STAFF COMMENTS

None.

ITEM 2: PROPERTIES

The Company has seven offices located in Oswego County and two offices in Onondaga County.  Management believes that the Bank's facilities are adequate for the business conducted. The following table sets forth certain information concerning the main office and each branch office of the Bank at December 31, 2016.  The aggregate net book value of the Bank's premises and equipment was $15.2 million at December 31, 2016.  For additional information regarding the Bank's properties, see Notes 8 and 18 to the consolidated financial statements.


LOCATION
  
OPENING DATE
  
OWNED/LEASED
Main Office
    
1874
  
Owned
214 West First Street
           
Oswego, New York  13126
           
             
Plaza Branch
    
1989
  
     Owned (1)
Route 104, Ames Plaza
           
Oswego, New York  13126
           
             
Mexico Branch
    
1978
  
Owned
Norman & Main Streets
           
Mexico, New York  13114
           
             
Oswego East Branch
    
1994
  
Owned
34 East Bridge Street
           
Oswego, New York  13126
           
             
Lacona Branch
    
2002
  
Owned
1897 Harwood Drive
           
Lacona, New York 13083
           
             
Fulton Branch
    
2003
  
     Owned (2)
5 West First Street South
           
Fulton, New York  13069
           
             
Central Square Branch
    
2005
  
Owned
3025 East Ave
           
Central Square, New York  13036
           
             
Cicero Branch
    
2011
  
Owned
6194 State Route 31
           
Cicero, New York 13039
           
             
Syracuse Pike Block Branch
    
2014
  
Leased (3)
109 West Fayette Street
           
Syracuse, New York 13202
           
             
(1) The building is owned; the underlying land is leased with an annual rent of $33,000.
(2) The building is owned; the underlying land is leased with an annual rent of $33,000.
(3) The premises are leased with an annual rent of $58,000.
    


ITEM 3: LEGAL PROCEEDINGS

There are various claims and lawsuits to which the Company is periodically involved that are incidental to the Company's business.  In the opinion of management, such claims and lawsuits in the aggregate are not expected to have a material adverse impact on the Company's consolidated financial condition and results of operations at December 31, 2016.

ITEM 4: MINE SAFETY DISCLOSURE

Not applicable.

PART  II

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

The Company's common stock commenced trading on the NASDAQ Capital Market on October 17, 2014 under the symbol "PBHC" following the completion of the Conversion and Offering.  Prior to that date, the common stock of Pathfinder-Federal, the Company's predecessor, had traded on the NASDAQ Capital Market.

There were 1,016 shareholders of record as of March 15, 2017.  The following table sets forth the high and low closing bid prices and dividends paid per share of common stock for the periods indicated.

   
Price per share
    
 
  
Quarter Ended:
  
High
    
Low
    
 Dividend Paid
  
December 31, 2016
  
$
13.45
    
$
12.06
    
$
0.05
  
September 30, 2016
  
$
12.49
    
$
11.27
    
$
0.05
  
June 30, 2016
  
$
11.96
    
$
10.81
    
$
0.05
  
March 31, 2016
  
$
12.95
    
$
10.95
    
$
0.05
  
December 31, 2015
  
$
13.05
    
$
10.89
    
$
0.05
  
September 30, 2015
  
$
11.89
    
$
10.60
    
$
0.05
  
June 30, 2015
  
$
12.35
    
$
10.00
    
$
0.03
  
March 31, 2015
  
$
10.10
    
$
9.67
    
$
0.03
  

The Company did not repurchase any shares of its common stock during the fourth quarter of 2016.

Equity Compensation Plan Information

The following table provides information as of December 31, 2016 with respect to shares of common stock that may be issued under the Company's existing equity compensation plans.
                   
Plan Category
  
Number of securities to be issued upon exercise of outstanding options, warrants and rights
    
Weighted-average exercise price of outstanding options, warrants and rights
    
Number of securities remaining available for future issuance under equity compensation plans
  
Equity compensation plans approved by security holders
    
422,940
    
$
9.41
      
47,450
  
Equity compensation plans not approved by stockholders
    
N/A
      
N/A
      
N/A
  
 

 
Dividends and Dividend History

The Company (and its predecessor) has historically paid regular quarterly cash dividends on its common stock.  The board of directors presently intends to continue the payment of regular quarterly cash dividends, subject to the need for those funds for debt service and other purposes.  Payment of dividends on the common stock is subject to determination and declaration by the board of directors and will depend upon a number of factors, including capital requirements, regulatory limitations on the payment of dividends, Pathfinder Bank and its subsidiaries' results of operations and financial condition, tax considerations, and general economic conditions.  More details are included within the section titled Regulation and Supervision.

ITEM 6: SELECTED FINANCIAL DATA

The following selected consolidated financial data sets forth certain financial highlights of the Company and should be read in conjunction with the consolidated financial statements and related notes, and the "Management's Discussion and Analysis of Financial Condition and Results of Operations" included elsewhere  in this annual report on  Form 10-K.

         
For the years ended December 31,
  
 
  
2016
    
2015
    
2014
    
2013
    
2012
  
Year End (In thousands, except per share amounts)
                              
Total assets
  
$
749,034
    
$
623,254
    
$
561,024
    
$
503,793
    
$
477,796
  
Investment securities available-for-sale
    
141,955
      
98,942
      
88,073
      
80,959
      
108,339
  
Investment securities held-to-maturity
    
54,645
      
44,297
      
40,875
      
34,412
      
-
  
Loans receivable, net
    
485,900
      
424,732
      
382,189
      
336,592
      
329,247
  
Deposits
    
610,983
      
490,315
      
415,568
      
410,140
      
391,805
  
Borrowings and sub-debt
    
73,972
      
56,291
      
71,255
      
46,008
      
40,119
  
Shareholders' equity
    
58,361
      
71,229
      
69,204
      
43,070
      
40,747
  
                                         
For the Year
                                        
Total interest income
  
$
24,093
    
$
21,424
    
$
19,699
    
$
18,883
    
$
18,765
  
Total interest expense
    
3,804
      
2,657
      
2,614
      
3,264
      
3,908
  
Net interest income
    
20,289
      
18,767
      
17,085
      
15,619
      
14,857
  
Provision for loan losses
    
953
      
1,349
      
1,205
      
1,032
      
825
  
Net interest income after provision for loan losses
    
19,336
      
17,418
      
15,880
      
14,587
      
14,032
  
Total noninterest income
    
4,183
      
4,172
      
3,759
      
3,416
      
3,063
  
Total noninterest expense
    
19,110
      
17,587
      
15,685
      
14,751
      
13,518
  
Net income before income taxes
    
4,409
      
4,003
      
3,954
      
3,252
      
3,577
  
Income tax expense
    
1,111
      
1,071
      
1,153
      
847
      
929
  
Net income (loss) attributable to noncontrolling interest
    
26
      
43
      
56
      
(1
)
    
-
  
Net income
  
$
3,272
    
$
2,889
    
$
2,745
    
$
2,406
    
$
2,648
  
                                         
Per Share
                                        
Income per share - basic (a)
  
$
0.79
    
$
0.67
    
$
0.64
    
$
0.58
    
$
0.53
  
Income per share - diluted (a)
    
0.78
      
0.66
      
0.63
      
0.58
      
0.53
  
Book value per common share
    
13.67
      
13.28
      
12.82
      
11.33
      
10.60
  
Tangible book value per common share
    
12.55
      
12.19
      
11.78
      
10.16
      
9.13
  
Cash dividends declared
    
0.20
      
0.16
      
0.12
      
0.12
      
0.12
  
                                         
Performance Ratios
                                        
Return on average assets
    
0.48
%
    
0.48
%
    
0.51
%
    
0.48
%
    
0.57
%
Return on average equity
    
5.35
      
4.08
      
5.50
      
5.86
      
6.68
  
Average equity to average assets
    
8.97
      
11.76
      
9.27
      
8.24
      
8.48
  
Shareholders' Equity to total assets at end of year
    
7.73
      
11.36
      
12.26
      
8.55
      
8.53
  
Net interest rate spread
    
3.03
      
3.21
      
3.31
      
3.23
      
3.28
  
Net interest margin
    
3.14
      
3.31
      
3.40
      
3.34
      
3.41
  
Average interest-earning assets to average interest-
  bearing liabilities
    
118.35
      
121.73
      
117.88
      
115.85
      
113.89
  
Noninterest expense to average assets
    
2.81
      
2.92
      
2.92
      
2.96
      
2.89
  
Efficiency ratio (b)
    
79.90
      
78.22
      
76.51
      
79.14
      
75.53
  
Dividend payout ratio (c)
    
25.18
      
25.22
      
13.89
      
12.47
      
11.37
  
Return on average common equity
    
5.35
      
5.00
      
7.45
      
8.58
      
8.26
  
 
 

 
         
For the years ended December 31,
  
 
  
2016
    
2015
    
2014
    
2013
    
2012
  
Asset Quality Ratios
                              
Nonperforming loans as a percent of total loans
    
0.98
%
    
1.24
%
    
1.61
%
    
1.57
%
    
1.66
%
Nonperforming assets as a percent of total assets
    
0.72
      
0.94
      
1.16
      
1.18
      
1.25
  
Allowance for loan losses to loans receivable
    
1.27
      
1.33
      
1.38
      
1.48
      
1.35
  
Allowance for loan losses as a percent of
  nonperforming loans
    
129.85
      
107.30
      
85.50
      
94.22
      
81.13
  
                                         
Regulatory Capital Ratios (Bank Only)
                                        
Total core capital (to risk-weighted assets)
    
14.79
%
    
16.22
%
    
16.60
%
    
14.13
%
    
14.20
%
Tier 1 capital (to risk-weighted assets)
    
13.54
      
14.95
      
15.31
      
12.82
      
12.90
  
Tier 1 capital (to adjusted assets)
    
9.06
      
10.00
      
10.55
      
8.72
      
8.80
  
                                         
Number of:
                                        
Banking offices
    
9
      
9
      
9
      
8
      
8
  
Fulltime equivalent employees
    
133
      
124
      
122
      
112
      
110
  

(a)
Adjusted to reflect the 1.6472 exchange ratio used in the conversion for 2014 and prior years.
(b)
The efficiency ratio is calculated as noninterest expense divided by the sum of net interest income and noninterest income, excluding net gains on sales, redemptions and impairment of investment securities and net gains (losses) on sales of loans and foreclosed real estate.
(c)
The dividend payout ratio is calculated using dividends declared and not waived by Pathfinder Bancorp, MHC for periods prior to the Conversion and Offering that occurred on October 16, 2014, divided by net income.


ITEM 7: MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS                      

INTRODUCTION

Throughout Management's Discussion and Analysis ("MD&A") the term, the "Company", refers to the consolidated entity of Pathfinder Bancorp, Inc.  Pathfinder Bank and Pathfinder Statutory Trust II are wholly owned subsidiaries of Pathfinder Bancorp, Inc.; however, Pathfinder Statutory Trust II is not consolidated for reporting purposes (see Note 13 of the consolidated financial statements).  Pathfinder REIT, Inc., Pathfinder Risk Management Company, Inc., and Whispering Oaks Development Corp. are wholly owned subsidiaries of Pathfinder Bank.

On October 16, 2014, Pathfinder Bancorp, MHC converted from the mutual to stock form of organization.  In connection with the Conversion, the Company sold 2,636,053 of common stock to depositors at $10.00 per share.  Shareholders of Pathfinder-Federal, the Company's predecessor, received 1.6472 shares of the Company's common stock for each share of Pathfinder-Federal common stock they owned immediately prior to completion of the transaction.   Following the completion of the Conversion, Pathfinder-Federal was succeeded by the Company, a Maryland corporation named Pathfinder Bancorp, Inc., and Pathfinder Bancorp, MHC ceased to exist.  The Company had 4,326,744 and 4,353,850 shares outstanding at December 31, 2016 and December 31, 2015, respectively.

Our business strategy has been to transition from a traditional savings bank primarily focused on originating one-to-four family residential real estate loans to that of a commercial bank with a more diversified loan composition, while at the same time, maintaining our high standards of customer service and convenience. We have emphasized developing our business banking by offering products that are attractive to small businesses in our market area.  Notwithstanding this strategy, a significant portion of our lending activity has been, and will continue to be, the origination of one-to-four family residential real estate loans. Highlights of our business strategy are as follows:
Expanding our business banking. We have increased our emphasis on servicing the needs of small businesses in our market area. We intend to use our branch office network and experienced commercial loan and deposit specialists to provide convenient commercial loan and deposit products and services to business customers, including merchant and remote deposit capture services. We believe that by developing our commercial relationships with small businesses we will be able to offer a variety of services and deposit products that will provide a growing source of fee income. We have introduced new products and services in order to attract new business customers, and we will continue to expand our products to help meet the needs of our business customers.
 

 
Continuing our emphasis on commercial business and commercial real estate lending. In recent years, we have sought to significantly increase our commercial business and commercial real estate lending, consistent with safe and sound underwriting practices. In this regard, we have added personnel who are experienced in originating and underwriting commercial real estate and commercial business loans. We view the growth of our commercial business and commercial real estate loans as a means of diversifying and increasing our interest income and establishing relationships with local businesses, which offer a recurring and potentially broader source of fee income and deposits than traditional one-to-four family residential real estate lending.  We anticipate that our emphasis on commercial business and commercial real estate lending will complement our traditional one-to-four family residential real estate lending.

Diversifying our products and services with a goal of increasing non-interest income over time. We have sought to reduce our dependence on net interest income by increasing fee income from the value-added services that we provide. We offer property and casualty and life insurance through our subsidiary, Pathfinder Risk Management Company, Inc., and its insurance agency subsidiary, the FitzGibbons Agency, LLC.  Additionally, Pathfinder Bank's investment services provides brokerage services for purchasing stocks, bonds, mutual funds, annuities, and long-term care products.  We intend to gradually grow these businesses.    We believe that there will be opportunities to cross-sell these products to our deposit and borrower customers which will increase our non-interest income.

Continuing to grow our customer relationships and deposit base by expanding our branch network. As conditions permit, we will expand our branch network through a combination of de novo branching and acquisitions of branches or other financial services companies.  We believe that as we expand our branch network, our customer relationships and deposit base will continue to grow. We do not currently have any agreements or understandings regarding specific de novo branches or acquisitions.  Additionally, we have committed significant resources to establish a banking platform to accommodate future growth by upgrading our information technology, maintaining a robust risk management and compliance staff, improving credit administration functionality, and upgrading our physical infrastructure. We believe that these investments will enable us to achieve operational efficiencies with minimal additional investments, while providing increased convenience for our customers.

Utilizing the net proceeds from recent capital raises to continue the controlled growth of Pathfinder Bank. On October 16, 2014, the Company received $24.9 million in net proceeds from the sale of approximately 2.6 million shares of common stock as a result of the Conversion. On October 15, 2015, the Company executed the $10.0 million non-amortizing Subordinated Loan with an unrelated third party that is scheduled to mature on October 1, 2025. The Subordinated Loan is senior in the Company's credit repayment hierarchy only to the Company's common equity and, as a result, qualifies as Tier 2 capital for all future periods when applicable. On February 15, 2016, the Company retired $13 million in Series B Preferred stock owned by the Small Business Lending Facility ("SBLF") and has used, and will continue to use, the remaining net proceeds from Conversion to provide capital for asset growth and increased lending. We have leveraged this additional capital by growing our assets by $168.6 million, or 29.1%, since October 2014.  We believe that we can continue to successfully utilize retained earnings in future periods to provide the underlying capital for further growth.

Providing quality customer service. Our strategy emphasizes providing quality customer service and meeting the financial needs of our customer base by offering a full complement of loan, deposit, financial services and online banking solutions (i.e., internet banking).  Our competitive advantage is our ability to make decisions, such as approving loans, more quickly than our larger competitors. Customers enjoy, and will continue to enjoy, access to senior executives and local decision makers at Pathfinder Bank and the flexibility it brings to their businesses.

 
APPLICATION OF CRITICAL ACCOUNTING POLICIES

The Company's consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States and follow practices within the banking industry.  Application of these principles requires management to make estimates, assumptions and judgments that affect the amounts reported in the consolidated financial statements and accompanying notes.  These estimates, assumptions and judgments are based on information available as of the date of the financial statements; accordingly, as this information changes, the financial statements could reflect different estimates, assumptions and judgments.  Certain policies inherently have a greater reliance on the use of estimates, assumptions and judgments and as such have a greater possibility of producing results that could be materially different than originally reported.  Estimates, assumptions and judgments are necessary when assets and liabilities are required to be recorded at fair value or when an asset or liability needs to be recorded contingent upon a future event.  Carrying assets and liabilities at fair value inherently results in more financial statement volatility.  The fair values, and information used to record valuation adjustments for certain assets and liabilities, are based on quoted market prices or are provided by other third-party sources, when available.  When third party information is not available, valuation adjustments are estimated in good faith by management.

The most significant accounting policies followed by the Company are presented in Note 1 to the consolidated financial statements.  These policies, along with the disclosures presented in the other financial statement notes and in this discussion, provide information on how significant assets and liabilities are valued in the consolidated financial statements and how those values are determined.  Based on the valuation techniques used and the sensitivity of financial statement amounts to the methods, assumptions, and estimates underlying those amounts, management has identified the allowance for loan losses, deferred income taxes, pension obligations, the evaluation of investment securities for other than temporary impairment, the annual evaluation of the Company's goodwill for possible impairment, and the estimation of fair values for accounting and disclosure purposes to be the accounting areas that require the most subjective and complex judgments.  These areas could be the most subject to revision as new information becomes available.

Allowance for Loan Losses. The allowance for loan losses represents management's estimate of probable loan losses inherent in the loan portfolio.  Determining the amount of the allowance for loan losses is considered a critical accounting estimate because it requires significant judgment on the use of estimates related to the amount and timing of expected future cash flows on impaired loans, estimated losses on pools of homogeneous loans based on historical loss experience, and environmental factors, all of which may be susceptible to significant change.  The Company establishes a specific allowance for all commercial loans in excess of the total related credit threshold of $100,000 and single borrower residential mortgage loans in excess of the total related credit threshold of $300,000 identified as being impaired which are on nonaccrual and have been risk rated under the Company's risk rating system as substandard, doubtful, or loss. The Company also establishes a specific allowance, regardless to the size of the loan, for all loans subject to a troubled debt restructuring agreement.  In addition, an accruing substandard loan could be identified as being impaired.  The measurement of impaired loans is generally based upon the present value of future cash flows discounted at the historical effective interest rate, except that all collateral-dependent loans are measured for impairment based on the fair value of the collateral, less costs to sell.  At December 31, 2016, the Bank's position in impaired loans consisted of 42 loans totaling $8.6million.  Of these loans, 31 loans, totaling $6.2 million, were valued using the present value of future cash flows method; and 11 loans, totaling $2.4 million, were valued based on a collateral analysis.  For all other loans, the Company uses the general allocation methodology that establishes an allowance to estimate the probable incurred loss for each risk-rating category.  Note 1 to the consolidated financial statements describes the methodology used to determine the allowance for loan losses and a discussion of the factors driving changes in the amount of the allowance for loan losses is included in this report.
 

 
Deferred Income Tax Assets and Liabilities.  Deferred income tax assets and liabilities are determined using the liability method.  Under this method, the net deferred tax asset or liability is recognized for the future tax consequences.  This is attributable to the differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases as well as net operating and capital loss carry forwards.  Deferred tax assets and liabilities are measured using enacted tax rates applied to taxable income in the years in which those temporary differences are expected to be recovered or settled.  The affect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date.  If current available evidence about the future raises doubt about the likelihood of a deferred tax asset being realized, a valuation allowance is established.  The judgment about the level of future taxable income, including that which is considered capital, is inherently subjective and is reviewed on a continual basis as regulatory and business factors change.  A valuation allowance of $150,000 was maintained at December 31, 2016, as management believes it may not generate sufficient future taxable income in the form of capital gains to offset its capital loss carry forward position before those potential tax benefits expire. The Company's effective tax rate differs from the statutory rate due primarily to non-taxable interest income and bank owned life insurance.  See Note 17 to the accompanying financial statements.

Pension Obligations.  Pension and postretirement benefit plan liabilities benefits and expenses are based upon actuarial assumptions of future events, including fair value of plan assets, interest rates, and the length of time the Company will have to provide those benefits.  The assumptions used by management are discussed in Note 14 to the Consolidated Financial Statements contained herein.

Evaluation of Investment Securities for Other-Than-Temporary-Impairment ("OTTI"). The Company carries all of its available-for-sale investments at fair value with any unrealized gains or losses reported net of tax as an adjustment to shareholders' equity and included in accumulated other comprehensive income (loss), except for the credit-related portion of debt security impairment losses and OTTI of equity securities which are charged to earnings.  The Company's ability to fully realize the value of its investments in various securities, including corporate debt securities, is dependent on the underlying creditworthiness of the issuing organization.  In evaluating the debt security (both available-for-sale and held-to-maturity) portfolio for other-than-temporary impairment losses, management considers (1) if we intend to sell the security before recovery of its amortized cost; (2) if it is "more likely than not" we will be required to sell the security before recovery of its amortized cost basis; or (3) if the present value of expected cash flows is not sufficient to recover the entire amortized cost basis. When the fair value of a held-to-maturity or available-for-sale security is less than its amortized cost basis, an assessment is made as to whether OTTI is present.  The Company considers numerous factors when determining whether a potential OTTI exists and the period over which the debt security is expected to recover.  The principal factors considered are (1) the length of time and the extent to which the fair value has been less than the amortized cost basis, (2) the financial condition of the issuer and (guarantor, if any) and adverse conditions specifically related to the security, industry or geographic area, (3) failure of the issuer of the security to make scheduled interest or principal payments, (4) any changes to the rating of the security by a rating agency, and (5) the presence of credit enhancements, if any, including the guarantee of the federal government or any of its agencies.

Evaluation of Goodwill.  Management performs an annual evaluation of the Company's goodwill for possible impairment.  Based on the results of the 2016 evaluation, management has determined that the carrying value of goodwill is not impaired as of December 31, 2016.  The evaluation approach is described in Note 10 of the consolidated financial statements.

Estimation of Fair Value.  The estimation of fair value is significant to several of our assets; including investment securities available-for-sale, interest rate derivative (discussed in detail in Note 22 of the consolidated financial statements), intangible assets, foreclosed real estate, and the value of loan collateral when valuing loans.  These are all recorded at either fair value, or the lower of cost or fair value. Fair values are determined based on third party sources, when available.  Furthermore, accounting principles generally accepted in the United States require disclosure of the fair value of financial instruments as a part of the Notes to the Consolidated Financial Statements.  Fair values on our available-for-sale securities may be influenced by a number of factors; including market interest rates, prepayment speeds, discount rates, and the shape of yield curves.
 
 

Fair values for securities available-for-sale are obtained from an independent third party pricing service.  Where available, fair values are based on quoted prices on a nationally recognized securities exchange.  If quoted prices are not available, fair values are measured using quoted market prices for similar benchmark securities.  Management made no adjustments to the fair value quotes that were provided by the pricing source.  The fair values of foreclosed real estate and the underlying collateral value of impaired loans are typically determined based on evaluations by third parties, less estimated costs to sell.  When necessary, appraisals are updated to reflect changes in market conditions.

RECENT EVENTS

On December 15, 2016, the board of directors declared a quarterly dividend of $0.05 per common share.  The dividend was payable on February 3, 2017 to shareholders of record on January 13, 2017.

EXECUTIVE SUMMARY AND RESULTS OF OPERATIONS

The Company reported net income of $3.3 million for 2016 as compared to $2.9 million for 2015.  Basic and diluted earnings per share in 2016 were $0.79 and $0.78, respectively, as compared to $0.67 and $0.66 in 2015, respectively.  Return on average assets remained unchanged from 2015 at 0.48% in 2016.  Return on average equity increased 1.27% to 5.35% in 2016 as compared to 4.08% in 2015.  This increase was due to the increased utilization of capital as the Company grew its total assets from $623.3 million at December 31, 2015 to $749.0 million at December 31, 2016.  The Company continued to successfully execute on its growth strategies in 2016 as it effectively increased its total interest-earning assets and utilized an increased portion of the $24.9 million in net capital proceeds that it received as a result of the October 2014 conversion.

Net income increased 13.3% to $3.3 million in 2016 on average earning assets of $645.7 million as compared to net income of $2.9 million in 2015 on average earning assets of $566.3 million. Net income increased during 2016, due to increases in interest income and a favorable reduction in the provision for loan losses that were partially offset by increases in interest and noninterest expenses.  Increases in the average balances of loans, and taxable and tax-exempt investment securities led to the increase in interest income, which was partially offset by a reduction in the overall average rate earned on those assets.  The increase in interest income was partially offset by an increase in interest expense due to an increase in average interest-bearing liabilities of $80.3 million and an increase in the rate paid on those liabilities of 13 basis points.

Noninterest income was $4.2 million in both 2016 and 2015. Net gains on the sales and redemptions of investment securities increased $172,000 to $594,000 in 2016 as the Company sold certain securities as part of its overall asset management strategies.  All other categories of noninterest income declined $161,000 in aggregate during 2016, as compared to the previous year, as the earnings on loan servicing fees and bank owned life insurance declined $95,000 and $94,000, respectively.  In addition, net proceeds from the sales of loans and foreclosed assets declined $74,000 in 2016 as compared to 2015.  The declines in noninterest income in 2016 described above were partially offset by increases in other charges, commissions and fees and debit card interchange fees of $89,000 and $27,000, respectively.  Partially offsetting these aggregate increases to net income was the increase in noninterest expense to $19.1 million in 2016 from $17.6 million in 2015, due largely to the increase in salaries and employee benefits.

The provision for income taxes increased $40,000 between 2015 and 2016 due to the increase in pretax net income in 2016 of $406,000, or 10.1%, as compared to the previous year, partially offset by a lower effective income tax rate.  The lower effective tax rate resulted from higher nontaxable income as a proportion to total income in 2016 as compared with the previous year and the utilization of some previously reserved-for capital loss carryforward credits in 2016.

Total assets were $749.0 million at December 31, 2016 as compared to $623.3 million at December 31, 2015.  The increase in total assets of $125.8 million, or 20.2%, was the result of the increase in loans, largely commercial real estate and residential mortgages, and the increase in investment securities. The loan portfolio, net of the allowance for loan losses, increased $61.2 million and the investment securities portfolio increased $53.4 million.  The increase in total assets was funded largely by a $86.4 million increase in customer deposits, a $34.2 million increase in time deposits acquired through the CDARS program and by a net increase in borrowings from the FHLBNY of $17.6 million in 2016.
 
 

Measured as a percentage of total loans and total assets, loan credit quality metrics improved in 2016 as compared to the previous year.  These improvements in credit quality measures were reflected in a slight decline in the ratioof the allowance for loan losses to year end loans decreasing from 1.33% at December 31, 2015 to 1.27% at December 31, 2016.  This decrease reflects management's estimate of the probable losses inherent in the current loan portfolio. 

The ratio of net charge-offs to average loans declined to 0.09% for 2016 as compared to 0.25% for 2015.  This activity reflects charge-offs for those accounts deemed uncollectible but reserved for in prior years through the provision for loan losses.  Total past due loans measured as a percent of total loans, decreased from 2.1% at December 31, 2015 to 2.0% at December 31, 2016.  Similarly, the ratio of nonperforming loans to year end loans improved at December 31, 2016 to 0.98% as compared to 1.24% at December 31, 2015.  The level of nonperforming loans decreased in aggregate by $507,000, or 9.5%, led by a decrease in nonperforming commercial and commercial real estate loans of $1.4 million, partially offset by an increase in nonperforming residential loans.  Commensurate with the decline in nonperforming loans to year end loans, the ratio of nonperforming assets to total assets decreased to 0.72% at December 31, 2016 from 0.94% at December 31, 2015. 
 
The Company's shareholders' equity decreased $12.9 million, or 18.2%, to $57.9 million at December 31, 2016 from $70.8 million at December 31, 2015.  This decrease was principally due to the Company's redemption of all 13,000 shares of the Series B Preferred Stock outstanding at December 31, 2015 with the payment of $13.0 million to the SBLF in February 2016. In addition, shareholder's equity was reduced in 2016 by the repurchase of 143,400 shares of the Company's common stock in the amount of $1.8 million. To a lesser extent, shareholder's equity was reduced in 2016, as compared to the previous year, by a decrease in accumulated other comprehensive loss, net of tax, of $1.3 million, and preferred and common stock dividend distributions of $836,000. Offsetting this combined decrease of $16.9 million in shareholders' equity during 2016 was net income of $3.3 million and stock-based compensation-related increase of $520,000 in additional paid in capital and $180,000 in accretion of unearned ESOP shares.

Net Interest Income

Net interest income is the Company's primary source of operating income.  It is the amount by which interest earned on interest-earning deposits, loans and investment securities exceeds the interest paid on deposits and borrowed money.  Changes in net interest income and the net interest margin ratio resulted from the interaction between the volume and composition of earning assets, interest-bearing liabilities, and their respective yields and funding costs.

The following comments refer to the table of Average Balances and Rates and the Rate/Volume Analysis, both of which follow below.

Net interest income increased $1.5 million, or 8.1%, in 2016 to $20.3 million as compared to the previous year. Our net interest margin for the year ended December 31, 2016 decreased to 3.14% from 3.31% for the comparable prior year.  The increase in net interest income was primarily due to a 12.3% increase in interest income on loans and investment securities to $23.9 million stemming from the $79.5 million increase in average balances on these earning assets.  This increase was partially offset by an increase in interest expense on time deposits and FHLBNY borrowings.  Increases between 2016 and 2015 were recorded in average rates paid on time deposits and FHLBNY borrowings of 18 basis points and 13 basis points, respectively.  Interest expense on borrowings, the majority of which are from FHLBNY, increased $176,000, as the average balances of these borrowings increased 7.8% to $47.1 million at December 31, 2016 and the rates paid on these borrowings increased from 0.90% in 2015 to 1.21% in 2016.
 
 
Average Balances and Rates

The following table sets forth information concerning average interest-earning assets and interest-bearing liabilities and the yields and rates thereon. Interest income and resultant yield information in the table has not been adjusted for tax equivalency. Averages are computed on the daily average balance for each month in the period divided by the number of days in the period. Yields and amounts earned include loan fees. Nonaccrual loans have been included in interest-earning assets for purposes of these calculations.

   
For the twelve months ended December 31,
  
   
2016
    
2015
    
2014
  
               
Average
                
Average
                
Average
  
   
Average
          
Yield /
    
Average
          
Yield /
    
Average
          
Yield /
  
(Dollars in thousands)
  
Balance
    
Interest
    
Cost
    
Balance
    
Interest
    
Cost
    
Balance
    
Interest
    
Cost
  
Interest-earning assets:
                                                      
Loans
  
$
455,129
    
$
20,703
      
4.55
%
  
$
404,434
    
$
18,450
      
4.56
%
  
$
361,864
    
$
16,928
      
4.68
%
Taxable investment securities
    
142,277
      
2,494
      
1.75
%
    
118,035
      
2,190
      
1.86
%
    
106,976
      
1,975
      
1.85
%
Tax-exempt investment securities
    
32,387
      
832
      
2.57
%
    
27,841
      
763
      
2.74
%
    
27,854
      
782
      
2.81
%
Interest-earning time deposits
    
-
      
-
      
0.00
%
    
-
      
-
      
0.00
%
    
453
      
7
      
1.55
%
Fed funds sold and interest-earning deposits
    
15,898
      
64
      
0.40
%
    
16,036
      
21
      
0.13
%
    
5,386
      
7
      
0.13
%
Total interest-earning assets
    
645,691
      
24,093
      
3.73
%
    
566,346
      
21,424
      
3.78
%
    
502,533
      
19,699
      
3.92
%
Noninterest-earning assets:
                                                                        
Other assets
    
41,097
                      
40,606
                      
39,769
                  
Allowance for loan losses
    
(5,965
)
                    
(5,674
)
                    
(5,152
)
                
Net unrealized gains
                                                                        
  on available for sale securities
    
397
                      
790
                      
736
                  
Total assets
  
$
681,220
                    
$
602,068
                    
$
537,886
                  
Interest-bearing liabilities:
                                                                        
NOW accounts
  
$
56,541
    
$
92
      
0.16
%
  
$
46,044
    
$
86
      
0.19
%
  
$
38,960
      
76
      
0.20
%
Money management accounts
    
14,392
      
35
      
0.24
%
    
12,981
      
21
      
0.16
%
    
13,205
      
22
      
0.17
%
MMDA accounts
    
167,817
      
699
      
0.42
%
    
125,396
      
628
      
0.50
%
    
94,941
      
401
      
0.42
%
Savings and club accounts
    
79,317
      
74
      
0.09
%
    
75,307
      
62
      
0.08
%
    
73,683
      
63
      
0.09
%
Time deposits
    
165,464
      
1,541
      
0.93
%
    
155,040
      
1,165
      
0.75
%
    
160,043
      
1,394
      
0.87
%
Subordinated loans
    
15,006
      
792
      
5.28
%
    
6,826
      
300
      
4.39
%
    
5,155
      
161
      
3.12
%
Borrowings
    
47,051
      
571
      
1.21
%
    
43,663
      
395
      
0.90
%
    
40,338
      
497
      
1.23
%
Total interest-bearing liabilities
    
545,588
      
3,804
      
0.70
%
    
465,257
      
2,657
      
0.57
%
    
426,325
      
2,614
      
0.61
%
Noninterest-bearing liabilities:
                                                                        
Demand deposits
    
69,898
                      
62,751
                      
57,335
                  
Other liabilities
    
4,632
                      
3,241
                      
4,356
                  
Total liabilities
    
620,118
                      
531,249
                      
488,016
                  
Shareholders' equity
    
61,102
                      
70,819
                      
49,870
                  
Total liabilities & shareholders' equity
  
$
681,220
                    
$
602,068
                    
$
537,886
                  
Net interest income
          
$
20,289
                    
$
18,767
                    
$
17,085
          
Net interest rate spread
                    
3.03
%
                    
3.21
%
                    
3.31
%
Net interest margin
                    
3.14
%
                    
3.31
%
                    
3.40
%
Ratio of average interest-earning assets
                                                                        
to average interest-bearing liabilities
                    
118.35
%
                    
121.73
%
                    
117.88
%

Rate/Volume Analysis

Net interest income can also be analyzed in terms of the impact of changing interest rates on interest-earning assets and interest-bearing liabilities, and changes in the volume or amount of these assets and liabilities. The following table represents the extent to which changes in interest rates and changes in the volume of interest-earning assets and interest-bearing liabilities have affected the Company's interest income and interest expense during the periods indicated. Information is provided in each category with respect to: (i) changes attributable to changes in volume (change in volume multiplied by prior rate); (ii) changes attributable to changes in rate (changes in rate multiplied by prior volume); and (iii) total increase or decrease.  Changes attributable to both rate and volume have been allocated ratably.  Tax-exempt securities have not been adjusted for tax equivalency.

   
Years Ended December 31,
  
   
2016 vs. 2015
    
2015 vs. 2014
  
   
Increase/(Decrease) Due to
    
Increase/(Decrease) Due to
  
               
Total
                
Total
  
               
Increase
                
Increase
  
(In thousands)
  
Volume
    
Rate
    
(Decrease)
    
Volume
    
Rate
    
(Decrease)
  
Interest Income:
                                    
Loans
  
$
2,306
    
$
(53
)
  
$
2,253
    
$
1,951
    
$
(429
)
  
$
1,522
  
Taxable investment securities
    
430
      
(126
)
    
304
      
205
      
10
      
215
  
Tax-exempt investment securities
    
119
      
(50
)
    
69
      
-
      
(19
)
    
(19
)
Interest-earning time deposits
    
-
      
-
      
-
      
(4
)
    
(4
)
    
(7
)
Interest-earning deposits
    
-
      
43
      
43
      
14
      
-
      
14
  
Total interest income
    
2,855
      
(186
)
    
2,669
      
2,166
      
(442
)
    
1,725
  
Interest Expense:
                                                
NOW accounts
    
19
      
(13
)
    
6
      
13
      
(3
)
    
10
  
Money management accounts
    
2
      
12
      
14
      
-
      
(1
)
    
(1
)
MMDA accounts
    
189
      
(118
)
    
71
      
144
      
83
      
227
  
Savings and club accounts
    
3
      
9
      
12
      
1
      
(2
)
    
(1
)
Time deposits
    
82
      
294
      
376
      
(42
)
    
(187
)
    
(229
)
Subordinated loans
    
421
      
71
      
492
      
62
      
77
      
139
  
Borrowings
    
33
      
143
      
176
      
38
      
(140
)
    
(102
)
Total interest expense
    
749
      
398
      
1,147
      
216
      
(173
)
    
43
  
Net change in net interest income
  
$
2,106
    
$
(584
)
  
$
1,522
    
$
1,950
    
$
(269
)
  
$
1,682
  

Interest Income

Changes in interest income result from changes in the average balances of loans, securities, and interest-earning deposits and the related average yields on those balances.

Interest income increased 12.5% to $24.1 million in 2016 as compared to 2015 due principally to the $79.3 million, or 14.0%, increase in average interest-earning assets.  The increase in average interest-earning assets was due to the increase in average balances of loans and taxable investment securities, which increased 12.5% and 20.5%, respectively.  The increase in the average balance of loans was due principally to increases in adjustable-rate commercial real estate loans.  The average yields earned on loans, however, decreased by one basis point from 4.55% in 2016 to 4.56% in 2015 as maturing higher rate loans were replaced by loans at current lower market rates. Yields on taxable investment securities declined 11 basis points to 1.75% in 2016 as compared to 1.86% in 2015.

Interest Expense

Changes in interest expense result from changes in the average balances of deposits and borrowings and the related average interest costs on those balances.

Interest expense increased $1.1 million to $3.8 million in 2016 compared to 2015 due primarily to a $103,000 increase in deposit expenses for all deposit products in aggregate, excluding time deposits, that was primarily driven by an average balance increase in MMDA accounts of $42.4 million in 2016 as compared to 2015.  The Company also paid $492,000 more in interest on subordinated debt in 2016 as a result of the issuance of an additional $10 million in such debt in October 2015.  In addition, these increases in non-maturity deposit and subordinated debt interest costs were augmented by $376,000 increase in interest expense on time deposits.

The increase in interest expense on time deposits was the result of an increase in the average balance of time deposits in 2016 of $10.4 million.  The average balance increase of time deposits in 2016 was due to an increase of $19.5 in time deposits originated within the Bank's customer base, partially offset by a decrease of $9.1 million in time deposits acquired through the CDARS program. This increase was largely the result of promotional activity designed to increase balances within this deposit category.  Partially as a result of this promotional activity, the average rates of interest paid on time deposits increased 0.18% in 2016 to 0.93% as compared to 0.75% in 2015. Interest expense on borrowings, the majority of which are from FHLBNY, increased $176,000, as the average balances of these borrowings increased 7.8% to $47.1 million and the rates paid on these borrowings increased from 0.90% in 2015 to 1.21% in 2016. 

Provision for Loan Losses

We establish a provision for loan losses, which is charged to operations, at a level management believes is appropriate to absorb probable incurred credit losses in the loan portfolio.  In evaluating the level of the allowance for loan losses, management considers historical loss experience, the types and amount of loans in the loan portfolio, adverse situations that may affect a borrower's ability to repay, estimated value of any underlying collateral, and prevailing economic conditions.  This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available or as future events change. The provision for loan losses represents management's estimate of the amount necessary to maintain the allowance for loan losses at an adequate level.

The Company recorded a provision for loan losses of $953,000 in 2016 as compared to $1.3 million recorded in the prior year.  This year-over-year decrease reflects decreased levels of net charge-offs in 2016 as the Company recorded $412,000 in net charge-offs in 2016 as compared to $993,000 in net charge-offs in 2015.  The $581,000 decrease in net charge-offs resided primarily in commercial real estate and industrial loans.  The ratio of net charge-offs to average loans declined to 0.09% in 2016 from 0.25% in 2015.  The positive effects of improving loan credit quality metrics on the amount of the required provision for loan losses in 2016, as compared with the previous year, were partially offset by increases in the required provision arising from the 14.3% increase in gross loan balances during 2016.

Noninterest Income

The Company's noninterest income is primarily comprised of fees on deposit account balances and transactions, loan servicing, commissions and net gains or losses on sales of securities, loans, and foreclosed real estate.

The following table sets forth certain information on noninterest income for the years indicated.

   
Years Ended December 31,
  
(Dollars in thousands)
  
2016
    
2015
    
Change
  
Service charges on deposit accounts
  
$
1,141
    
$
1,155
    
$
(14
)
    
-1.2
%
Earnings and gain on bank owned life insurance
    
307
      
401
      
(94
)
    
-23.4
%
Loan servicing fees
    
138
      
233
      
(95
)
    
-40.8
%
Debit card interchange fees
    
557
      
530
      
27
      
5.1
%
Other charges, commissions and fees
    
1,486
      
1,397
      
89
      
6.4
%
Noninterest income before gains
    
3,629
      
3,716
      
(87
)
    
-2.3
%
Net gains on sales and redemptions of investment securities
    
594
      
422
      
172
      
40.8
%
Net (losses) gains on sales of loans and foreclosed real estate
    
(40
)
    
34
      
(74
)
    
-217.6
%
Total noninterest income
  
$
4,183
    
$
4,172
    
$
11
      
0.3
%

Noninterest income for the year ended December 31, 2016 increased $11,000, or 0.3%, to $4.2 million as compared to the prior year.  Noninterest income before gains declined $87,000, or 2.3%, to $3.6 million as a result of declines in loan servicing fees and earnings and gain on bank owned life insurance of $95,000 and $94,000, respectively.   The decline in loan servicing fees was due to the reduced size of the Bank's residential mortgage portfolio serviced for others.  Earnings on bank owned life insurance decreased $94,000 during the year ended December 31, 2016, as compared to the previous year, due to the collection of a death benefit related to a former employee in 2015.  Partially offsetting these decreases in noninterest income during the year ended December 31, 2016 as compared to the year ended December 31, 2015, was an increase in other charges, commissions and fees of $89,000, or 6.4%, which was primarily due to an increase in insurance commissions of $83,000.  Net gains from the sale of investment securities increased by $172,000 in 2016 as compared to the previous year, as the Company managed its balance sheet positions in investment securities to meet its liquidity and interest rate risk management objectives.  

Noninterest Expense

The following table sets forth certain information on noninterest expense for the years indicated.

   
Years Ended December 31,
  
(Dollars in thousands)
  
2016
    
2015
    
Change
  
Salaries and employee benefits
  
$
10,772
    
$
9,687
    
$
1,085
      
11.2
%
Building occupancy
    
1,936
      
1,921
      
15
      
0.8
%
Data processing
    
1,682
      
1,609
      
73
      
4.5
%
Professional and other services
    
834
      
859
      
(25
)
    
-2.9
%
Advertising
    
730
      
518
      
212
      
40.9
%
FDIC assessments
    
345
      
408
      
(63
)
    
-15.4
%
Audits and exams
    
329
      
268
      
61
      
22.8
%
Other expenses
    
2,482
      
2,317
      
165
      
7.1
%
Total noninterest expenses
  
$
19,110
    
$
17,587
    
$
1,523
      
8.7
%

Noninterest expense for 2016 increased $1.5 million, or 8.7%, to $19.1 million from $17.6 million for the prior year. Higher noninterest expenses largely reflect investments related to the Company's continued efforts to expand brand awareness and increase its business activities in the Syracuse market.  Specifically, the year-over-year increase in noninterest expenses was due in part to higher personnel expenses that increased $1.1 million, or 11.2%, in 2016 as compared to 2015. These increases resulted primarily from increases of $516,000, or 8.4%, in salaries, $209,000, or 21.3%, in employee benefits, $207,000, or 53.2%, in stock-based compensation, and $95,000, or 10.9%, in commission expense.  The increase in salaries expense was due to the expansion of the Company's staffing levels in a number of areas, primarily focused on enhanced business development and risk management activities.  Employee benefits expense increased due to increases in employee medical insurance premiums of $130,000 and increased 401(k) contributions of $89,000 in 2016 as compared to the previous year. Stock-based compensation increased due to the adoption of new stock-based compensation plans approved by a vote of the shareholders in May of 2016 and the granting of options previously available from plans adopted with shareholder consent in prior years. 
 
 

Advertising expense increased $212,000, or 40.9%, in 2016 as compared to the previous year as the Company's management sought to increase brand awareness and corresponding business activity within the Company's market area, particularly in Onondaga County. Other expenses increased $165,000, or 7.1%, in 2016 principally due to increases in community service donations of $121,000 as compared to 2015.  Partially offsetting these increases in noninterest income was a decline of $63,000, or 15.4%, in FDIC assessments due to the adoption of a reduced fee schedule by that agency.

Income Tax Expense

The Company reported income tax expense of $1.1 million in 2016 and 2015. Income tax expense increased $40,000 in 2016, as the increased tax expense that would normally be incurred due to the $406,000 increase in pretax net income recorded in 2016, as compared with the previous year, was partially offset by a decline in the effective tax rate to 25.2% in 2016 from 26.8% in 2015.  The decrease in the effective tax rate was due to a higher proportion of nontaxable income to total income in 2016.  These nontaxable income items included sales of certain investments that utilized available capital loss carryforward tax benefits that had been reserved against in previous years.  In addition, the effective tax rate in 2016 was modestly reduced by an increase in the level of interest income earned from nontaxable loans and investment securities, calculated as a percentage of total interest income, during the year as compared to 2015.  See Note 17 to the consolidated financial statements for the reconciliation of the statutory tax rate to the effective tax rate.

Earnings Per Share

Basic and diluted earnings per share for the year ended December 31, 2016 were $0.79 and $0.78, respectively, as compared to basic and diluted earnings per share of $0.67 and $0.66 for the year ended December 31, 2015.  The increase in basic and diluted earnings per share comparing year-over-year periods was due to the increase in net income available to common shareholders between these two years.

CHANGES IN FINANCIAL CONDITION

Total assets were $749.0 million at December 31, 2016 as compared to $623.3 million at December 31, 2015.  The increase in total assets of $125.8 million, or 20.2%, was the result of the increase in loans, largely commercial real estate and residential mortgages, and the increase in investment securities. The loan portfolio, net of the allowance for loan losses, increased $61.2 million and the investment securities portfolio increased $53.4 million.  The increase in total assets was funded largely by a $86.4 million increase in customer deposits, a $34.2 million increase in time deposits acquired through the CDARS program and by a net increase in borrowings from the FHLBNY of $17.6 million in 2016.

 Investment Securities

The investment portfolio represented 27% of the Company's average interest earning assets in 2016 and is designed to generate a favorable rate of return consistent with safety of principal while assisting the Company in meeting its liquidity needs and interest rate risk strategies.  All of the Company's investments are classified as either available-for-sale or held-to-maturity.  The Company does not hold any trading securities.  The Company invests primarily in securities issued by United States Government agencies and sponsored enterprises ("GSE"), mortgage-backed securities, collateralized mortgage obligations, state and municipal obligations, mutual funds, equity securities, investment grade corporate debt instruments, and common stock issued by the Federal Home Loan Bank of New York ("FHLBNY").  By investing in these types of assets, the Company reduces the credit risk of its asset base but must accept lower yields than would typically be available on loan products.  Our mortgage backed securities and collateralized mortgage obligations portfolio is comprised predominantly of pass-through securities guaranteed by Fannie Mae, Freddie Mac, or Ginnie Mae and does not include any securities backed by sub-prime or other high-risk mortgages.
 
 

At December 31, 2016, available-for-sale and held-to-maturity investment securities increased 43.5% to $142.0 million and 23.4% to $54.6 million, respectively.  There were no securities that exceeded 10% of consolidated shareholders' equity.  See Note 4 to the consolidated financial statements for further discussion on securities.

Our available-for-sale investment securities are carried at fair value and our held-to-maturity investment securities are carried at amortized cost.

The following table sets forth the carrying value of the Company's investment portfolio at December 31:

   
Available-for-Sale
    
Held-to-Maturity
  
(In Thousands)
  
2016
    
2015
    
2016
    
2015
  
Investment Securities:
                        
US treasury, agencies and GSEs
  
$
24,184
    
$
21,308
    
$
4,928
    
$
7,860
  
State and political subdivisions
    
16,481
      
8,300
      
30,697
      
21,585
  
Corporate
    
15,195
      
18,128
      
8,240
      
4,175
  
Asset backed securities
    
6,664
      
-
      
-
      
-
  
Residential mortgage-backed - US agency
    
30,566
      
32,573
      
6,386
      
7,763
  
Collateralized mortgage obligations - US agency
    
40,986
      
16,833
      
2,927
      
2,914
  
Collateralized mortgage obligations - Private label
    
6,577
      
-
      
1,467
      
-
  
Mutual funds
    
626
      
1,221
      
-
      
-
  
Equity securities
    
676
      
579
      
-
      
-
  
    Total investment securities
  
$
141,955
    
$
98,942
    
$
54,645
    
$
44,297
  
 

 
The following table sets forth the scheduled maturities, amortized cost, fair values and average yields for the Company's investment securities at December 31, 2016. Average yield is calculated on the amortized cost to maturity.  Adjustable rate mortgage-backed securities are included in the period in which interest rates are next scheduled to be reset.

AVAILABLE FOR SALE
                                    
               
More Than One
    
More Than Five
  
   
One Year or Less
    
to Five Years
    
to Ten Years
  
         
Annualized
          
Annualized
          
Annualized
  
   
Amortized
    
Weighted
    
Amortized
    
Weighted
    
Amortized
    
Weighted
  
(Dollars in thousands)
  
Cost
    
Avg. Yield
    
Cost
    
Avg. Yield
    
Cost
    
Avg. Yield
  
Debt investment securities:
                                    
US Treasury, agencies and GSEs
  
$
10,208
      
0.64
%
  
$
14,055
      
0.87
%
  
$
-
      
-
  
State and political subdivisions
    
1,880
      
1.66
%
    
3,680
      
1.79
%
    
5,066
      
1.95
%
Corporate
    
2,590
      
1.37
%
    
9,273
      
2.18
%
    
487
      
3.00
%
Asset backed securities
    
-
      
-
      
-
      
-
      
5,179
      
3.39
%
Total
  
$
14,678
      
0.90
%
  
$
27,008
      
1.45
%
  
$
10,732
      
2.69
%
Mortgage-backed securities:
                                                
Residential mortgage-backed - US agency
  
$
-
      
-
    
$
2,016
      
1.73
%
  
$
8,644
      
1.96
%
Collateralized mortgage obligations - US agency
    
-
      
-
      
3,453
      
2.21
%
    
5,518
      
2.13
%
Collateralized mortgage obligations - Private label
    
-
      
-
      
-
      
-
      
-
      
-
  
Total
  
$
-
      
-
    
$
5,469
      
2.04
%
  
$
14,162
      
2.03
%
Other non-maturity investments:
                                                
Mutual funds
  
$
643
      
1.58
%
  
$
-
      
-
    
$
-
      
-
  
Equity securities
    
663
      
2.00
%
    
-
      
-
      
-
      
-
  
Total
  
$
1,306
      
1.79
%
  
$
-
      
-
    
$
-
      
-
  
Total investment securities
  
$
15,984
      
0.97
%
  
$
32,477
      
1.55
%
  
$
24,894
      
2.31
%
                                                 
                                                 
   
More Than Ten Years
    
Total Investment Securities
          
           
Annualized
                    
Annualized
          
   
Amortized
    
Weighted
    
Amortized
    
Fair
    
Weighted
          
(Dollars in thousands)
  
Cost
    
Avg. Yield
    
Cost
    
Value
    
Avg. Yield
          
Debt investment securities:
                                                
US Treasury, agencies and GSEs
  
$
-
      
-
    
$
24,263
    
$
24,184
      
0.78
%
        
State and political subdivisions
    
6,560
      
2.10
%
    
17,186
      
16,481
      
1.94
%
        
Corporate
    
3,209
      
3.86
%
    
15,559
      
15,195
      
2.42
%
        
Asset backed securities
    
1,517
      
2.24
%
    
6,696
      
6,664
      
3.13
%
        
Total
  
$
11,286
      
2.62
%
  
$
63,704
    
$
62,524
      
1.73
%
        
Mortgage-backed securities:
                                                
Residential mortgage-backed - US agency
  
$
20,544
      
1.99
%
  
$
31,204
    
$
30,566
      
1.97
%
        
Collateralized mortgage obligations - US agency
    
33,153
      
2.28
%
    
42,124
      
40,986
      
2.25
%
        
Collateralized mortgage obligations - Private label
    
6,682
      
2.18
%
    
6,682
      
6,577
      
2.18
%
        
Total
  
$
60,379
      
2.17
%
  
$
80,010
    
$
78,129
      
2.13
%
        
Other non-maturity investments:
                                                
Mutual funds
  
$
-
      
-
    
$
643
    
$
626
      
1.58
%
        
Equity securities
    
-
      
-
      
663
      
676
      
2.00
%
        
Total
  
$
-
      
-
    
$
1,306
    
$
1,302
      
1.80
%
        
Total investment securities
  
$
71,665
      
2.24
%
  
$
145,020
    
$
141,955
      
1.95
%
        



HELD-TO-MATURITY
                                    
               
More Than One
    
More Than Five
  
   
One Year or Less
    
to Five Years
    
to Ten Years
  
         
Annualized
          
Annualized
          
Annualized
  
   
Amortized
    
Weighted
    
Amortized
    
Weighted
    
Amortized
    
Weighted
  
(Dollars in thousands)
  
Cost
    
Avg. Yield
    
Cost
    
Avg. Yield
    
Cost
    
Avg. Yield
  
Debt investment securities:
                                    
US Treasury, agencies and GSEs
  
$
-
      
-
    
$
4,928
      
2.07
%
  
$
-
      
-
  
State and political subdivisions
    
206
      
1.30
%
    
4,581
      
2.26
%
    
13,438
      
3.55
%
Corporate
    
-
      
-
      
664
      
3.79
%
    
4,385
      
5.28
%
Total
  
$
206
      
1.30
%
  
$
10,173
      
2.27
%
  
$
17,823
      
3.97
%
Mortgage-backed securities:
                                                
Residential mortgage-backed - US agency
  
$
-
      
-
    
$
-
      
-
    
$
1,128
      
2.22
%
Collateralized mortgage obligations - US agency
    
-
      
-
      
-
      
-
      
2,928
      
3.16
%
Collateralized mortgage obligations - Private label
    
-
      
-
      
-
      
-
      
-
      
-
  
Total
  
$
-
      
-
    
$
-
      
-
    
$
4,056
      
2.90
%
Total investment securities
  
$
206
      
1.30
%
  
$
10,173
      
2.27
%
  
$
21,879
      
3.77
%
                                                 
                                                 
   
More Than Ten Years
    
Total Investment Securities
          
           
Annualized
                    
Annualized
          
   
Amortized
    
Weighted
    
Amortized
    
Fair
    
Weighted
          
(Dollars in thousands)
  
Cost
    
Avg. Yield
    
Cost
    
Value
    
Avg. Yield
          
Debt investment securities:
                                                
US Treasury, agencies and GSEs
  
$
-
      
-
    
$
4,928
    
$
4,940
      
2.07
%
        
State and political subdivisions
    
12,472
      
2.84
%
    
30,697
      
30,576
      
3.05
%
        
Corporate
    
3,191
      
3.69
%
    
8,240
      
8,097
      
4.54
%
        
Total
  
$
15,663
      
3.01
%
  
$
43,865
    
$
43,613
      
3.22
%
        
Mortgage-backed securities:
                                                
Residential mortgage-backed - US agency
  
$
5,258
      
2.87
%
  
$
6,386
    
$
6,397
      
2.76
%
        
Collateralized mortgage obligations - US agency
    
-
      
-
      
2,927
      
3,023
      
3.16
%
        
Collateralized mortgage obligations - Private label
    
1,466
      
2.87
%
    
1,467
      
1,396
      
2.87
%
        
Total
  
$
6,724
      
2.87
%
  
$
10,780
    
$
10,816
      
2.88
%
        
Total investment securities
  
$
22,387
      
2.97
%
  
$
54,645
    
$
54,429
      
3.15
%
        

The yield information disclosed above does not give effect to changes in fair value that are reflected in accumulated other comprehensive loss in consolidated shareholders' equity.

Loans Receivable

Average loans receivable represented 70% of the Company's average interest earning assets in 2016 and account for the greatest portion of total interest income.  The Company currently has the largest portion of its loan portfolio in commercial loan products that represent 52% of total loans. These products include credits extended to businesses and political subdivisions within its marketplace that are typically secured by commercial real estate, equipment, inventories, and accounts receivable.  The residential mortgage loans product segment represents 42% of total loans.  The Company has seen the proportion of commercial loan products to total loans increase in recent years and it will continue to emphasize these types of loans.  Notwithstanding this emphasis, the Company also anticipates a continued commitment to financing the purchase or improvement of residential real estate in its market area.
The following table sets forth the composition of our loan portfolio, including net deferred costs, in dollar amount and as a percentage of loans.  There were no loans classified as loans held for sale at the dates indicated.
   
December 31,
  
(Dollars in thousands)
  
2016
    
2015
    
2014
    
2013
    
2012
  
Residential real estate
  
$
206,900
      
42.0
%
  
$
189,367
      
44.0
%
  
$
175,322
      
45.2
%
  
$
168,493
      
49.3
%
  
$
176,968
      
53.0
%
Commercial real estate
    
150,569
      
30.6
%
    
129,481
      
30.1
%
    
125,883
      
32.5
%
    
95,510
      
28.0
%
    
82,357
      
24.7
%
Commercial and tax exempt
    
103,394
      
21.0
%
    
83,016
      
19.3
%
    
59,268
      
15.3
%
    
52,241
      
15.3
%
    
48,826
      
14.6
%
Home equity and junior liens
    
24,991
      
5.1
%
    
23,688
      
5.5
%
    
22,905
      
5.9
%
    
21,223
      
6.2
%
    
22,141
      
6.6
%
Consumer loans
    
6,293
      
1.3
%
    
4,886
      
1.1
%
    
4,160
      
1.1
%
    
4,166
      
1.2
%
    
3,456
      
1.0
%
  Total loans receivable
  
$
492,147
      
100.0
%
  
$
430,438
      
100.0
%
  
$
387,538
      
100.0
%
  
$
341,633
      
100.0
%
  
$
333,748
      
100.0
%

The following table shows the amount of loans outstanding, including net deferred costs, as of December 31, 2016 which, based on remaining scheduled repayments of principal, are due in the periods indicated.  Demand loans having no stated schedule of repayments, no stated maturity, and overdrafts are reported as one year or less.  Adjustable and floating rate loans are included in the period on which interest rates are next scheduled to adjust, rather than the period in which they contractually mature.  Fixed rate loans are included in the period in which the final contractual repayment is due.

   
Due Under
    
Due 1-5
    
Due Over
        
(In thousands)
  
One Year
    
Years
    
Five Years
    
Total
  
Real estate:
                        
Commercial real estate
  
$
1,758
    
$
4,936
    
$
143,875
    
$
150,569
  
Residential real estate
    
141
      
3,008
      
203,751
      
206,900
  
 
    
1,899
      
7,944
      
347,626
      
357,469
  
Commercial and tax exempt
    
42,528
      
26,744
      
34,122
      
103,394
  
Home Equity and junior liens
    
77
      
1,171
      
23,743
      
24,991
  
Consumer
    
949
      
2,768
      
2,576
      
6,293
  
Total loans
  
$
45,453
    
$
38,627
    
$
408,067
    
$
492,147
  

(In thousands)
  
Due After One Year
  
Interest rates:
      
Fixed
  
$
210,459
  
Variable
    
236,235
  
Total loans
  
$
446,694
  

Total loans receivable, including net deferred costs, increased $61.7 million, or 14.3%, to $492.1 million at December 31, 2016 when compared to the prior year, primarily due to the growth in adjustable-rate commercial and commercial real estate loans, and fixed-rate residential mortgage loans.  The Company does not originate sub-prime, Alt-A, negative amortizing or other higher risk structured residential mortgages. Commercial and commercial real estate loans increased $41.5 million, or 19.5%, to $153.9 million for the year ended December 31, 2016 as compared to December 31, 2015. The Company maintained its strict credit standards, but continued to benefit from the activities of the office in downtown Syracuse that opened in 2014 and expanding relationship-derived business activity within the markets that the bank serves.

Nonperforming Loans and Assets

The following table represents information concerning the aggregate amount of nonperforming assets:

 
  
December 31,
  
(Dollars In thousands)
  
2016
    
2015
    
2014
    
2013
    
2012
  
Nonaccrual loans:
                              
Commercial and commercial real estate loans
  
$
1,863
    
$
3,238
    
$
4,030
    
$
2,709
    
$
2,726
  
Consumer
    
388
      
365
      
324
      
447
      
776
  
Residential mortgage loans
    
2,560
      
1,715
      
1,902
      
2,194
      
2,046
  
Total nonaccrual loans
    
4,811
      
5,318
      
6,256
      
5,350
      
5,548
  
Total nonperforming loans
    
4,811
      
5,318
      
6,256
      
5,350
      
5,548
  
Foreclosed real estate
    
597
      
517
      
261
      
619
      
426
  
Total nonperforming assets
  
$
5,408
    
$
5,835
    
$
6,517
    
$
5,969
    
$
5,974
  
                                         
Troubled debt restructurings not included above
  
$
5,531
    
$
1,916
    
$
2,219
    
$
2,459
    
$
1,937
  
                                         
Nonperforming loans to total loans
    
0.98
%
    
1.24
%
    
1.61
%
    
1.57
%
    
1.66
%
Nonperforming assets to total assets
    
0.72
%
    
0.94
%
    
1.16
%
    
1.18
%
    
1.25
%

Nonperforming assets include nonaccrual loans, nonaccrual troubled debt restructurings ("TDR"), and foreclosed real estate ("FRE"). Loans are considered a TDR when, due to a borrower's financial difficulties, the Company makes a concession(s) to the borrower that it would not otherwise consider. These modifications may include an extension of the term of the loan, and granting a period when interest-only payments can be made, with the principal payments made over the remaining term of the loan or at maturity.  TDRs are included in the above table within the categories of nonaccrual loans or TDRs not included above (the latter also known as accruing TDRs).

Total nonperforming loans decreased $507,000 between December 31, 2015 and December 31, 2016, driven by a $1.4 million decrease in commercial and commercial real estate nonperforming loans across several large relationships.  Partially offsetting this decrease in commercial and commercial real estate nonperforming loans was an increase of $845,000 in nonperforming loans secured by residential real estate. The increase in nonperforming residential real estate was comprised of 33 loans that were nonperforming at December 31, 2016 as compared to 28 loans that were nonperforming at December 31, 2015.  Management believes that the increase in nonperforming residential real estate loans is transitory and that the value of the collateral properties underlying the loans is sufficient to preclude any significant losses related to these loans. Management continues to monitor and react to national and local economic trends as well as general portfolio conditions which may impact the quality of the portfolio, and considers these environmental factors in support of the allowance for loan loss reserve.  Management believes that the current level of the allowance for loan losses, at $6.2 million at December 31, 2016, adequately addresses the current level of risk within the loan portfolio, particularly considering the types and levels of collateralization supporting the substantial majority of the portfolio. The Company maintains strict loan underwriting standards and carefully monitors the performance of the loan portfolio.

FRE balances increased by $80,000 at December 31, 2016, from the prior year and reflects the timing of foreclosures versus sales in 2016.  FRE properties increased from 6 to 9 between these two dates.

The Company generally places a loan on nonaccrual status and ceases accruing interest when loan payment performance is deemed unsatisfactory and the loan is past due 90 days or more.  There are no loans that are past due 90 days or more and still accruing interest.  The Company considers a loan impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal and interest when due according to the contractual terms of the loan.
 
 

Had the loans in nonaccrual status performed in accordance with their original terms, additional interest income of $51,000 and $126,000 would have been recorded for the years ended December 31, 2016 and December 31, 2015, respectively.

The measurement of impaired loans is based upon the fair value of the collateral or the present value of future cash flows discounted at the historical effective interest rate for impaired loans when the receipt of contractual principal and interest is probable.  At December 31, 2016 and December 31, 2015, the Company had $8.6 million and $6.5 million in loans, which were deemed to be impaired, having specific reserves of $1.1 million and $960,000, respectively.  The $2.1 million year-over-year increase in impaired loans was principally due to a $1.1 million increase in impaired residential real estate loans, and a $642,000 increase in impaired commercial real estate loans.  All other loan product segments (which include commercial loans, home equity loans, junior liens and other consumer loans) reported modest year-over-year increases in impaired loans of $275,000 in aggregate. The threshold for individually measuring impairment on commercial real estate or commercial loans remains at $100,000 and for residential mortgage loans remains at $300,000 at December 31, 2016. The thresholds described above do not apply to loans that have been classified as troubled debt restructurings, which are individually measured for impairment at the time that the restructuring is affected.

Appraisals are obtained at the time a real estate secured loan is originated.  For commercial real estate held as collateral, the property is inspected every two years. 

Management has identified potential credit problems which may result in the borrowers not being able to comply with the current loan repayment terms and which may result in possible future impaired loan reporting.  Potential problem loans decreased $3.1 million to $6.9 million at December 31, 2016, compared to $10.0 million at December 31, 2015.  These loans have been internally classified as special mention, substandard, or doubtful, yet are not currently considered impaired.  The decrease in potential problem loans was primarily due to a $1.3 million decrease in potential problem commercial real estate loans and a $1.1 million decrease in potential problem loans secured by residential real estate. Potential problem loans decreased $761,000 in aggregate within all other loan product segments.

The ratio of the allowance to loan losses to period-end loans at December 31, 2016 was 1.27% as compared to 1.33% at December 31, 2015.  The modest year-over-year decrease in this ratio was driven by improving credit quality metrics in the Bank's loan portfolio.

In the normal course of business, the Bank has, from time to time, sold residential mortgage loans and participation interests in commercial loans. As is typical in the industry, the Bank makes certain representations and warranties to the buyer. Pathfinder Bank maintains a quality control program for closed loans and considers the risks and uncertainties associated with potential repurchase requirements to be minimal.

Allowance for Loan Losses

The allowance for loan losses is established through provision for loan losses and reduced by loan charge-offs net of recoveries. The allowance for loan losses represents the amount available for probable credit losses in the Company's loan portfolio as estimated by management.  In its assessment of the qualitative factors used in arriving at the required allowance for loan losses, management considers changes in national and local economic trends, the
rate of the portfolios' growth, trends in delinquencies and nonaccrual balances, changes in loan policy, and changes in management experience and staffing.  These factors, coupled with the recent historical loss experience within the loan portfolio by product segment support the estimable and probable losses within the loan portfolio.

The Company establishes a specific allocation for all commercial loans identified as being impaired with a balance in excess of $100,000 that are also on nonaccrual or have been risk rated under the Company's risk rating system as substandard, doubtful, or loss. The measurement of impaired loans is based upon either the present value of future cash flows discounted at the historical effective interest rate or the fair value of the collateral, less costs to sell for collateral dependent loans.  At December 31, 2016, the Bank's position in impaired loans consisted of 42 loans totaling $8.6million.  Of these loans, 31 loans, totaling $6.2 million, were valued using the present value of future cash flows method; and 11 loans, totaling $2.4 million, were valued based on a collateral analysis.  The Company uses the fair value of collateral, less costs to sell to measure impairment on commercial and commercial real estate loans.  Residential real estate loans in excess of $300,000 will also be included in this individual loan review.  Residential real estate loans less than this amount will be included in impaired loans if it is part of the total related credit to a previously identified impaired commercial loan.  The Company also establishes a specific allowance, regardless to the size of the loan, for all loans subject to a troubled debt restructuring agreement.
 
 

The allowance for loan losses at December 31, 2016 and 2015 was $6.2 million and $5.7 million, or 1.27% and 1.33% of total year end loans, respectively.  Net loan charge-offs were $412,000 during 2016, as compared to $993,000 in 2015.  The decrease in net loan charge-offs were reported in all commercial real estate and commercial loan portfolio classes and these reductions in net charge-offs account for the substantial majority of the overall reduction in net charge-offs in 2016 as compared with the previous year.

For further discussion of our allowance for loan losses procedures, please see "Business-Allowance for Loan Losses" in this Annual Report on Form 10-K.

The following table sets forth the allocation of allowance for loan losses by loan category for the periods indicated.  The allocation of the allowance by category is not necessarily indicative of future losses and does not restrict the use of the allowance to absorb losses in any category.

   
2016
    
2015
    
2014
    
2013
    
2012
  
   
Allocation
    
Percent of
    
Allocation
    
Percent of
    
Allocation
    
Percent of
    
Allocation
    
Percent of
    
Allocation
    
Percent of
  
   
of the
    
Loans to
    
of the
    
Loans to
    
of the
    
Loans to
    
of the
    
Loans to
    
of the
    
Loans to
  
(Dollars in thousands)
  
Allowance
    
Total Loans
    
Allowance
    
Total Loans
    
Allowance
    
Total Loans
    
Allowance
    
Total Loans
    
Allowance
    
Total Loans
  
Residential real estate
  
$
759
      
42.0
%
  
$
581
      
44.0
%
  
$
509
      
45.2
%
  
$
649
      
49.3
%
  
$
811
      
53.1
%
Commercial real estate
    
2,935
      
30.6
%
    
2,983
      
30.1
%
    
2,801
      
32.5
%
    
2,302
      
28.0
%
    
1,748
      
24.6
%
Commercial and tax exempt
    
2,056
      
21.0
%
    
1,674
      
19.3
%
    
1,497
      
15.3
%
    
1,233
      
15.3
%
    
1,192
      
14.7
%
Home equity and junior liens
    
331
      
5.1
%
    
350
      
5.5
%
    
388
      
5.9
%
    
433
      
6.2
%
    
494
      
6.6
%
Consumer loans
    
166
      
1.3
%
    
118
      
1.1
%
    
98
      
1.1
%
    
136
      
1.2
%
    
168
      
1.0
%
Unallocated
    
-
              
-
              
56
              
288
              
88
          
Total
  
$
6,247
      
100.0
%
  
$
5,706
      
100.0
%
  
$
5,349
      
100.0
%
  
$
5,041
      
100.0
%
  
$
4,501
      
100.0
%


The following table sets forth the allowance for loan losses for the periods indicated and related ratios:

(Dollars In thousands)
  
2016
    
2015
    
2014
    
2013
    
2012
  
Balance at beginning of year
  
$
5,706
    
$
5,349
    
$
5,041
    
$
4,501
    
$
3,980
  
Provisions charged to operating expenses
    
953
      
1,350
      
1,205
      
1,032
      
825
  
Recoveries of loans previously charged-off:
                                        
Commercial real estate and loans
    
31
      
48
      
23
      
41
      
64
  
Consumer
    
63
      
69
      
52
      
71
      
65
  
Residential real estate
    
13
      
40
      
2
      
47
      
75
  
Total recoveries
    
107
      
157
      
77
      
159
      
204
  
Loans charged off:
                                        
Commercial real estate and loans
    
(69
)
    
(787
)
    
(634
)
    
(319
)
    
(231
)
Consumer
    
(208
)
    
(129
)
    
(183
)
    
(179
)
    
(169
)
Residential real estate
    
(242
)
    
(234
)
    
(157
)
    
(153
)
    
(108
)
Total charged-off
    
(519
)
    
(1,150
)
    
(974
)
    
(651
)
    
(508
)
Net charge-offs
    
(412
)
    
(993
)
    
(897
)
    
(492
)
    
(304
)
Balance at end of year
  
$
6,247
    
$
5,706
    
$
5,349
    
$
5,041
    
$
4,501
  
Net charge-offs to average loans outstanding
    
0.09
%
    
0.25
%
    
0.25
%
    
0.15
%
    
0.10
%
Allowance for loan losses to year-end loans
    
1.27
%
    
1.33
%
    
1.38
%
    
1.48
%
    
1.35
%

Deposits

The Company's deposit base is drawn from nine full-service offices in its market area.  The deposit base consists of demand deposits, money management and money market deposit accounts, savings, and time deposits. Average deposits increased $75.9 million, or 15.9%, in 2016.   For the year ended 2016, 70.1% of the Company's average deposit base of $553.4 million consisted of core deposits.  Core deposits, which exclude time deposits, are considered to be more stable and provide the Company with a lower cost source of funds than time deposits.  The Company will continue to emphasize retail and business core deposits by providing depositors with a full range of deposit product offerings. With the opening of our Syracuse business banking office in the third quarter of 2014, we increased, and continue to expect increases in, our business deposit gathering capability. The Bank also seeks additional business growth by focusing on its local brand identification and service excellence within the municipal deposit marketplace.

At December 31, 2016, retail deposits, commercial deposits and municipal deposits increased $18.6 million, $13.9 million and $55.4 million, respectively, when compared to December 31, 2015.  The increase in retail deposits reflects the Bank's increased market penetration among non-business customers, particularly in northern Onondaga County, driven by the Bank's focused marketing initiatives.  The increase in commercial and municipal deposits was the result of the Company's successful execution of its strategy to expand products and services to our existing commercial and municipal relationships within the markets that we serve.

At December 31, 2016, time deposits in excess of $100,000 totaled $130.4 million, or 68.9% of time deposits and 21.4% of total deposits.  At December 31, 2015, these deposits totaled $89.4 million, or 61.1% of time deposits and 18.2% of total deposits.

The following table indicates the amount of the Company's certificates of deposit of $100,000 or more by time remaining until maturity as of December 31, 2016:

(In thousands)
      
Remaining Maturity:
      
Three months or less
  
$
47,913
  
Three through six months
    
29,823
  
Six through twelve months
    
15,940
  
Over twelve months
    
36,761
  
    Total
  
$
130,437
  

Borrowings

Short-term borrowings are comprised primarily of advances and overnight borrowing at the FHLBNY.  At December 31, 2016 and December 31, 2015 there were $42.0 million and $24.8 million, respectively, in short-term borrowings outstanding.

The following table represents information regarding short-term borrowings during 2016 and 2015.

(Dollars in thousands)
  
2016
    
2015
  
Maximum outstanding at any month end
  
$
65,100
    
$
50,700
  
Average amount outstanding during the year
    
31,468
      
30,202
  
Balance at the end of the period
    
42,000
      
24,800
  
Average interest rate during the year
    
0.68
%
    
0.53
%
Average interest rate at the end of the period
    
0.85
%
    
0.48
%

Long-term borrowed funds consist of advances from the FHLBNY.  Long-term borrowed funds, totaled $17.0 million at December 31, 2016 as compared to $16.5 million at December 31, 2015.

On October 15, 2015, the Company executed a $10.0 million non-amortizing Subordinated Loan with an unrelated third party that is scheduled to mature on October 1, 2025. The Company has the right to prepay the Subordinated Loan at any time after October 15, 2020 without penalty. The terms of the Subordinated Loan require interest payments at an annual interest rate of 3.50% from October 15, 2015 to February 29, 2016. The annual interest rate charged to the Company increased to 6.25% on March 1, 2016 through the maturity date.  The Subordinated Loan is senior in the Company's credit repayment hierarchy only to the Company's common equity and, as a result, qualifies as Tier 2 capital for all future periods when applicable.  The Company paid $172,000 in origination and legal fees as part of this transaction.  These fees will be amortized over the life of the Subordinated Loan through its first call date using the effective interest method.  The effective cost of funds related to this transaction is 6.44% calculated under this method. 

Capital

The Company's shareholders' equity decreased $12.9 million, or 18.2%, to $57.9 million at December 31, 2016 from $70.8 million at December 31, 2015.  This decrease was principally due to the Company's redemption of all 13,000 shares of the Series B Preferred Stock outstanding at December 31, 2015 with the payment of $13.0 million to the SBLF in February 2016. In addition, shareholder's equity was reduced in 2016 by the repurchase of 143,400 shares of the Company's common stock in the amount of $1.8 million. To a lesser extent, shareholder's equity was reduced in 2016, as compared to the previous year, by a decrease in accumulated other comprehensive loss, net of tax, of $1.3 million, and preferred and common stock dividend distributions of $836,000. Offsetting this combined decrease of $16.9 million in shareholders' equity during 2016 was net income of $3.3 million and stock-based compensation-related increase of $520,000 in additional paid in capital and $180,000 in accretion of unearned ESOP shares.
 
 

Risk-based capital provides the basis for which all banks are evaluated in terms of capital adequacy.  Capital adequacy is evaluated primarily by the use of ratios which measure capital against total assets, as well as against total assets that are weighted based on defined risk characteristics.  The Company's goal is to support growth and expansion activities, while maintaining a strong capital position and exceeding regulatory standards.  At December 31, 2016, the Bank exceeded all regulatory required minimum capital ratios and met the regulatory definition of a "well-capitalized" institution.  See "Supervision and Regulation – Federal Regulations – Capital Requirements."

On February 16, 2016, the Company redeemed all 13,000 shares of the Series B Preferred Stock outstanding with the payment of $13.0 million to the SBLF.  This redemption was substantially financed by the issuance of the $10 million Subordinated Loan on October 15, 2015.  The issuance of the Subordinated Loan will increase interest expense by $644,000 per year but prospectively reduce the amount payable to the SBLF in preferred stock dividends.  Effective April 1, 2016, the annual dividend rate for the preferred stock would have been 9.0%.  The retirement of the $13.0 million of the SBLF Preferred Series B stock, therefore, will result in an annual reduction of preferred dividends payable of $1.2 million.  The Company paid $16,000 and $130,000 in preferred stock dividends in 2016 and 2015, respectively.  These transactions had no effect on the regulatory capital position of the Bank.

As a result of the Dodd-Frank Act, the Company's ability to raise new capital through the use of trust preferred securities may be limited because these securities will no longer be included in Tier 1 capital.  In addition, our ability to generate or originate additional revenue producing assets may be constrained in the future in order to comply with the new capital standards required by federal regulation that took effect January 1, 2015. See Note 20 to the consolidated financial statements and the regulation and supervision section within Part I of this Annual Report on Form 10-K for further discussion on regulatory capital requirements.

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

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain amounts and ratios (set forth in the table below) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined).

As of December 31, 2016, the Bank's most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as "well-capitalized", under the regulatory framework for prompt corrective action.  To be categorized as "well-capitalized", the Bank must maintain total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the tables below. There are no conditions or events since that notification that management believes have changed the Bank's category.

The regulations also impose a "capital conservation buffer" consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets above the amount necessary to meet its minimum risk-based capital requirements.  The buffer is separate from the capital ratios required under the Prompt Corrective Action ("PCA") standards and imposes restrictions on dividend distributions and discretionary bonuses. In order to avoid these restrictions, the capital conservation buffer effectively increases the minimum the following capital to risk-weighted assets ratios: (1) Core Capital, (2) Total Capital and (3) Common Equity.  The capital conservation buffer requirement is being phased in beginning January 1, 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented at 2.5% on January 1, 2019. At December 30, 2016, the Bank exceeded all current and projected regulatory required minimum capital ratios, including the maximum capital buffer level that will be required on January 1, 2019.
 
 
LIQUIDITY

Liquidity management involves the Company's ability to generate cash or otherwise obtain funds at reasonable rates to support asset growth, meet deposit withdrawals, maintain reserve requirements, and otherwise operate the Company on an ongoing basis.  The Company's primary sources of funds are deposits, borrowed funds, amortization and prepayment of loans and maturities of investment securities and other short-term investments, and earnings and funds provided from operations.  While scheduled principal repayments on loans are a relatively predictable source of funds, deposit flows and loan prepayments are greatly influenced by general interest rates, economic conditions and competition.  The Company manages the pricing of deposits to maintain a desired deposit balance.  In addition, the Company invests excess funds in short-term interest-earning and other assets, which provide liquidity to meet lending requirements.

The Company's liquidity has been enhanced by its ability to borrow from the FHLBNY, whose competitive advance programs and lines of credit provide the Company with a safe, reliable, and convenient source of funds.  A significant decrease in deposits in the future could result in the Company having to seek other sources of funds for liquidity purposes.  Such sources could include, but are not limited to, additional borrowings, brokered deposits, negotiated time deposits, the sale of "available-for-sale" investment securities, the sale of loans, or the sale of whole loans.  Such actions could result in higher interest expense costs and/or losses on the sale of securities or loans.

For the year ended 2016, cash and equivalents increased by $7.2 million. The Company reported net cash flows from financing activities of $122.3 million generated principally by an increase in deposits of $120.7 million and an increase in short-term borrowings of $17.1 million. These aggregate increases of $137.7 million in 2016 due to financing activities were partially offset by the redemption of all 13,000 shares of the Series B Preferred Stock outstanding at December 31, 2015 with the payment of $13.0 million to the SBLF and the repurchase of 143,400 shares of the Company's common stock in the amount of $1.8 million.  Additionally, $6.4 million was provided through operating activities.  These cash flows were primarily invested in a net increases in loan outstandings of $61.7 million and investment securities of $57.6 million net of proceeds from sales, maturities and principal reductions during 2016.

Certificates of deposit due within one year of December 31, 2016 totaled $119.9 million, representing 63.3% of certificates of deposit at December 31, 2016, a decrease from 65.9% at December 31, 2015.  We believe the large percentage of certificates of deposit that mature within one year reflect customers' hesitancy to invest their funds for long periods in the current low interest rate environment.  If these maturing deposits do not remain with us, we will be required to seek other sources of funds, including other certificates of deposit and borrowings.  Depending on market conditions, we may be required to pay higher rates on such deposits or other borrowings than we currently pay on the certificates of deposit due on or before December 31, 2017.

The Company is a separate legal entity from the Bank and must provide for its own liquidity. In addition to its operating expenses, the Company is responsible for paying any dividends declared to its shareholders and making payments on its subordinated loans. The Company may repurchase shares of its common stock in the future. The Company's primary sources of funds are the proceeds it retained from the conversion and offering, interest and dividends on securities and dividends received from the Bank. The amount of dividends that the Bank may declare and pay to the Company in any calendar year, without prior regulatory approval, cannot exceed net income for that year to date plus retained net income (as defined) for the preceding two calendar years. The Company believes that this restriction will not have an impact on the Company's ability to meet its ongoing cash obligations. At December 31, 2016 and 2015, the Company had cash and cash equivalents of $22.4 million and 15.2 million, respectively.

In June 2016, the Company entered into a $26.0 million Irrevocable Stand-By Letter of Credit ("LOC") with the FHLBNY as another means of collateralizing public funds deposits.  This letter of credit is due to expire on June 9, 2017. These LOCs are conditional commitments issued by the FHLBNY to guarantee the performance of the Bank with respect to large public funds deposits. These deposits are placed with the Bank by entities, such as municipalities and other political subdivisions within the Bank's market area, and typically exceed the statutory FDIC deposit insurance limits for individual accounts. As a matter of New York State statute, municipal depositors require that collateral be directly deposited by the Bank with an independent safekeeping agent, or in certain cases, that LOCs be issued by a third party that is acceptable to the depositor.  The Bank finds that, with certain depositor relationships, this later method of collateralization for the benefit of the municipal depositors is more economically efficient than posting specific securities with a safekeeping agent. The Bank committed a portion of its mortgage loan portfolio as pledged collateral to the FHLBNY for the LOC.  Loans encumbered as collateral for letters of credit reduce the Bank's available liquidity position in that available borrowing capacity with the FHLBNY is decreased substantially on a dollar-for-dollar basis.
 
 

The Company has a number of existing credit facilities available to it.  At December 31, 2016, total credit available under the existing lines of credit was approximately $167.6 million at FHLBNY, the Federal Reserve Bank, and three other correspondent banks.  At December 31, 2016, the Company had $85.0 million of the available lines of credit utilized, including encumbrances supporting the outstanding letters of credit, described above, on its existing lines of credit with the remainder of $82.6 million available.

The Asset Liability Management Committee of the Company is responsible for implementing the policies and guidelines for the maintenance of prudent levels of liquidity.  As of December 31, 2016, management reported to the board of directors that the Company was in compliance with its liquidity policy guidelines.

OFF-BALANCE SHEET ARRANGEMENTS

The Company is also a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments include commitments to extend credit and standby letters of credit.  At December 31, 2016, the Company had $103.1 million in outstanding commitments to extend credit and standby letters of credit.  See Note 18 within the Notes to Consolidated Financial Statements contained herein.

ITEM 7A: QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Not required of a smaller reporting company.


ITEM 8: FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

Index to Consolidated Financial Statements
Pathfinder Bancorp, Inc.



   
Page
  
Management's Report on Internal Control over Financial Reporting
    
56
  
Report of Independent Registered Public Accounting Firm
    
57
  
   
58
  
   
59
  
   
60
  
   
61
  
   
62
  
   
64
  
















MANAGEMENT'S REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING

The Company's management is responsible for establishing and maintaining adequate internal control over financial reporting, as such term is defined in Rules 13a-15(f) and 15d-15(f) of the Securities Exchange Act of 1934, as amended. Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with policies or procedures may deteriorate. The Company's internal control over financial reporting is a process designed under the supervision of the Company's principal executive officer and principal financial officer to provide reasonable assurance regarding the reliability of financial reporting and the preparation of the Company's financial statements for external reporting purposes in accordance with United States generally accepted accounting principles.

Under the supervision and with the participation of management, including the Company's principal executive officer and principal financial officer, the Company conducted an evaluation of the effectiveness of its internal control over financial reporting based on the framework in Internal Control – Integrated Framework (1992) issued by the Committee of Sponsoring Organizations of the Treadway Commission. Based on its evaluation under that framework, management concluded that the Company's internal control over financial reporting was effective as of December 31, 2016. In addition, based on our assessment, management has determined that there were no material weaknesses in the Company's internal controls over financial reporting.

This annual report does not include an attestation report of the Company's independent registered public accounting firm regarding internal control over financial reporting pursuant to the rules of the Dodd-Frank Act that exempts the Company from such attestation and requires only management's report.

 
/s/ Thomas W. Schneider
      
/s/ James A. Dowd
    
 
 Thomas W. Schneider
 
 
  
 
 James A. Dowd
 
 
  
Thomas W. Schneider
 
  
 
James A. Dowd
 
  
President and Chief Executive Officer
 
  
 
Executive Vice President, Chief Operating Officer and Chief Financial Officer
 
  
Oswego, New York
March 31, 2017
 







Report of Independent Registered Public Accounting Firm


To the Board of Directors and Shareholders of
Pathfinder Bancorp, Inc.
Oswego, New York:

We have audited the accompanying consolidated statements of condition of Pathfinder Bancorp, Inc. and subsidiaries (the "Company") as of December 31, 2016 and 2015 and the related consolidated statements of income, comprehensive income, changes in shareholders' equity and cash flows for each of the years in the two year period ended December 31, 2016. The Company's management is responsible for these consolidated financial statements. Our responsibility is to express an opinion on these consolidated financial statements based on our audits.
We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the consolidated financial statements are free of material misstatement. The Company is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. Our audit included consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the company's internal control over financial reporting. Accordingly, we express no such opinion. An audit also includes examining, on a test basis, evidence supporting the amounts and disclosures in the consolidated financial statements, assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall consolidated financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.
In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of Pathfinder Bancorp, Inc. and subsidiaries as of December 31, 2016 and 2015 and the results of their operations and their cash flows for each of the years in the two year period ended December 31, 2016 in conformity with accounting principles generally accepted in the United States of America.


/s/ BONADIO & CO., LLP
Bonadio & Co., LLP
Syracuse, New York
March 31, 2017

Pathfinder Bancorp, Inc.
  
Consolidated Statements of Condition
  
             
             
   
December 31,
    
December 31,
  
(In thousands, except share and per share data)
  
2016
    
2015
  
ASSETS:
            
Cash and due from banks
  
$
6,968
    
$
9,624
  
Interest earning deposits
    
15,451
      
5,621
  
Total cash and cash equivalents
    
22,419
      
15,245
  
Available-for-sale securities, at fair value
    
141,955
      
98,942
  
Held-to-maturity securities, at amortized cost (fair value of $54,429 and $45,515, respectively)
    
54,645
      
44,297
  
Federal Home Loan Bank stock, at cost
    
3,250
      
2,424
  
Loans
    
492,147
      
430,438
  
Less: Allowance for loan losses
    
6,247
      
5,706
  
Loans receivable, net
    
485,900
      
424,732
  
Premises and equipment, net
    
15,177
      
14,834
  
Accrued interest receivable
    
2,532
      
2,053
  
Foreclosed real estate
    
597
      
517
  
Intangible assets, net
    
198
      
214
  
Goodwill
    
4,536
      
4,536
  
Bank owned life insurance
    
11,458
      
10,615
  
Other assets
    
6,367
      
4,845
  
Total assets
  
$
749,034
    
$
623,254
  
                 
LIABILITIES AND SHAREHOLDERS' EQUITY:
                
Deposits:
                
Interest-bearing
  
$
535,701
    
$
428,636
  
Noninterest-bearing
    
75,282
      
61,679
  
Total deposits
    
610,983
      
490,315
  
Short-term borrowings
    
41,947
      
24,800
  
Long-term borrowings
    
17,000
      
16,500
  
Subordinated loans
    
15,025
      
14,991
  
Accrued interest payable
    
75
      
199
  
Other liabilities
    
5,643
      
5,220
  
Total liabilities
    
690,673
      
552,025
  
Shareholders' equity:
                
Preferred stock - SBLF, par value $0.01 per share; $1,000 liquidation preference;
                
13,000 shares authorized; 0 shares and 13,000 shares issued and outstanding, respectively
    
-
      
13,000
  
Common stock, par value $0.01; 25,000,000 authorized shares; 4,236,744 and 4,353,850
                
 shares outstanding, respectively
    
43
      
44
  
Additional paid in capital
    
27,483
      
28,717
  
Retained earnings
    
35,619
      
33,183
  
Accumulated other comprehensive loss
    
(3,822
)
    
(2,565
)
Unearned ESOP
    
(1,394
)
    
(1,574
)
Total Pathfinder Bancorp, Inc. shareholders' equity
    
57,929
      
70,805
  
Noncontrolling interest
    
432
      
424
  
Total equity
    
58,361
      
71,229
  
Total liabilities and shareholders' equity
  
$
749,034
    
$
623,254
  
                 
The accompanying notes are an integral part of the consolidated financial statements.
                


Pathfinder Bancorp, Inc.
  
Consolidated Statements of Income
  
             
             
   
For the
    
For the
  
   
year ended
    
year ended
  
(In thousands, except per share data)
  
December 31, 2016
    
December 31, 2015
  
Interest and dividend income:
            
Loans, including fees
  
$
20,703
    
$
18,450
  
Debt securities:
                
Taxable
    
2,360
      
2,012
  
Tax-exempt
    
832
      
763
  
Dividends
    
134
      
178
  
Federal funds sold and interest earning deposits
    
64
      
21
  
       Total interest income
    
24,093
      
21,424
  
Interest expense:
                
Interest on deposits
    
2,441
      
1,962
  
Interest on short-term borrowings
    
301
      
138
  
Interest on long-term borrowings
    
270
      
257
  
Interest on subordinated loans
    
792
      
300
  
       Total interest expense
    
3,804
      
2,657
  
          Net interest income
    
20,289
      
18,767
  
Provision for loan losses
    
953
      
1,349
  
          Net interest income after provision for loan losses
    
19,336
      
17,418
  
Noninterest income:
                
Service charges on deposit accounts
    
1,141
      
1,155
  
Earnings and gain on bank owned life insurance
    
307
      
401
  
Loan servicing fees
    
138
      
233
  
Net gains on sales and redemptions of investment securities
    
594
      
422
  
Net (losses) gains on sales of loans and foreclosed real estate
    
(40
)
    
34
  
Debit card interchange fees
    
557
      
530
  
Other charges, commissions & fees
    
1,486
      
1,397
  
          Total noninterest income
    
4,183
      
4,172
  
Noninterest expense:
                
Salaries and employee benefits
    
10,772
      
9,687
  
Building occupancy
    
1,936
      
1,921
  
Data processing
    
1,682
      
1,609
  
Professional and other services
    
834
      
859
  
Advertising
    
730
      
518
  
FDIC assessments
    
345
      
408
  
Audits and exams
    
329
      
268
  
Other expenses
    
2,482
      
2,317
  
          Total noninterest expenses
    
19,110
      
17,587
  
Income before income taxes
    
4,409
      
4,003
  
Provision for income taxes
    
1,111
      
1,071
  
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc.
    
3,298
      
2,932
  
Net income attributable to noncontrolling interest
    
26
      
43
  
Net income attributable to Pathfinder Bancorp Inc.
    
3,272
      
2,889
  
Preferred stock dividends
    
16
      
130
  
Net income available to common shareholders
  
$
3,256
    
$
2,759
  
                 
Earnings per common share - basic
  
$
0.79
    
$
0.67
  
Earnings per common share - diluted
  
$
0.78
    
$
0.66
  
Dividends per common share
  
$
0.20
    
$
0.16
  
                 
The accompanying notes are an integral part of the consolidated financial statements.
          

Pathfinder Bancorp, Inc.
  
Consolidated Statements of Comprehensive Income
  
             
   
Years Ended
  
   
December 31, 2016
    
December 31, 2015
  
(In thousands)
            
Net Income
  
$
3,298
    
$
2,932
  
                 
Other Comprehensive Income (Loss)
                
                 
Retirement Plans:
                
Retirement plan net losses recognized in plan expenses
    
222
      
185
  
Plan gains (losses) not recognized in plan expenses
    
330
      
(267
)
Net unrealized gain (loss) on retirement plans
    
552
      
(82
)
                 
Unrealized holding gains on financial derivative:
                
Change in unrealized holding gains (losses) on financial derivative
    
2
      
(6
)
Reclassification adjustment for interest expense included in net income
    
25
      
61
  
Net unrealized gain on financial derivative
    
27
      
55
  
                 
Unrealized holding losses on available for sale securities
                
Unrealized holding losses arising during the period
    
(2,394
)
    
(425
)
Reclassification adjustment for net gains included in net income
    
(594
)
    
(422
)
Net unrealized loss on available for sale securities
    
(2,988
)
    
(847
)
                 
Accretion of net unrealized loss on securities transferred to held-to-maturity(1)
    
316
      
131
  
                 
Other comprehensive loss, before tax
    
(2,093
)
    
(743
)
Tax effect
    
836
      
297
  
Other comprehensive loss, net of tax
    
(1,257
)
    
(446
)
Comprehensive income
  
$
2,041
    
$
2,486
  
Comprehensive income, attributable to noncontrolling interest
  
$
26
    
$
43
  
Comprehensive income attributable to Pathfinder Bancorp, Inc.
  
$
2,015
    
$
2,443
  
                 
                 
Tax Effect Allocated to Each Component of Other Comprehensive Loss
                
Retirement plan net losses recognized in plan expenses
  
$
(87
)
  
$
(74
)
Plan gains (losses) not recognized in plan expenses
    
(134
)
    
106
  
Change in unrealized holding gains (losses) on financial derivative
    
(1
)
    
2
  
Reclassification adjustment for interest expense included in net income
    
(10
)
    
(24
)
Unrealized holding losses arising during the period
    
958
      
170
  
Reclassification adjustment for net gains included in net income
    
236
      
169
  
Accretion of net unrealized loss on securities transferred to held-to-maturity(1)
    
(126
)
    
(52
)
Income tax effect related to other comprehensive income
  
$
836
    
$
297
  
                 
(1) The accretion of the unrealized holding losses in accumulated other comprehensive loss at the date of transfer at September 30, 2013 partially offsets the amortization of the difference between the par value and the fair value of the investment securities at the date of transfer, and is an adjustment of yield.
  
                 
The accompanying notes are an integral part of the consolidated financial statements.
                

 

 

Pathfinder Bancorp, Inc.
  
Consolidated Statements of Changes in Shareholder's Equity
  
Years ended December 31, 2016 and December 31, 2015
  
   
                                                 
                           
Accumulated
                    
               
Additional
          
Other Com-
          
Non-
        
   
Preferred
    
Common
    
Paid in
    
Retained
    
prehensive
    
Unearned
    
controlling
        
 (In thousands, except share and per share data)
  
Stock
    
Stock
    
Capital
    
Earnings
    
Loss
    
ESOP
    
Interest
    
Total
  
                                                 
 Balance, January 1, 2016
  
$
13,000
    
$
44
    
$
28,717
    
$
33,183
    
$
(2,565
)
  
$
(1,574
)
  
$
424
    
$
71,229
  
                                                                 
 Net income
    
-
      
-
      
-
      
3,272
      
-
      
-
      
26
      
3,298
  
                                                                 
 Other comprehensive loss, net of tax
    
-
      
-
      
-
      
-
      
(1,257
)
    
-
      
-
      
(1,257
)
                                                                 
 Preferred stock redemption (13,000 shares)
    
(13,000
)
    
-
      
-
      
-
      
-
      
-
      
-
      
(13,000
)
 
                                                                
 Preferred stock dividends - SBLF
    
-
      
-
      
-
      
(16
)
    
-
      
-
      
-
      
(16
)
                                                                 
 ESOP shares earned (24,442 shares)
    
-
      
-
      
113
      
-
      
-
      
180
      
-
      
293
  
                                                                 
 Stock based compensation
    
-
      
-
      
264
      
-
      
-
      
-
      
-
      
264
  
                                                                 
 Stock options exercised
    
-
      
-
      
143
      
-
      
-
      
-
      
-
      
143
  
                                                                 
 Purchase of common stock shares (143,400 shares)
    
-
      
(1
)
    
(1,754
)
    
-
      
-
      
-
      
-
      
(1,755
)
                                                                 
 Common stock dividends declared ($0.20 per share)
    
-
      
-
      
-
      
(820
)
    
-
      
-
      
-
      
(820
)
                                                                 
 Distributions from affiliates
    
-
      
-
      
-
      
-
      
-
      
-
      
(18
)
    
(18
)
 Balance, December 31, 2016
  
$
-
    
$
43
    
$
27,483
    
$
35,619
    
$
(3,822
)
  
$
(1,394
)
  
$
432
    
$
58,361
  
                                                                 
 Balance, January 1, 2015
  
$
13,000
    
$
44
    
$
28,534
    
$
31,085
    
$
(2,119
)
  
$
(1,754
)
  
$
414
    
$
69,204
  
                                                                 
 Net income
    
-
      
-
      
-
      
2,889
      
-
      
-
      
43
      
2,932
  
                                                                 
 Other comprehensive loss, net of tax
    
-
      
-
      
-
      
-
      
(446
)
    
-
      
-
      
(446
)
                                                                 
 Preferred stock dividends - SBLF
    
-
      
-
      
-
      
(130
)
    
-
      
-
      
-
      
(130
)
                                                                 
 ESOP shares earned (24,442 shares)
    
-
      
-
      
89
      
-
      
-
      
180
      
-
      
269
  
                                                                 
 Stock based compensation
    
-
      
-
      
85
      
-
      
-
      
-
      
-
      
85
  
                                                                 
 Stock options exercised
    
-
      
-
      
9
      
-
      
-
      
-
      
-
      
9
  
                                                                 
 Common stock dividends declared ($0.16 per share)
    
-
      
-
      
-
      
(661
)
    
-
      
-
      
-
      
(661
)
                                                                 
 Distributions from affiliates
    
-
      
-
      
-
      
-
      
-
      
-
      
(33
)
    
(33
)
 Balance, December 31, 2015
  
$
13,000
    
$
44
    
$
28,717
    
$
33,183
    
$
(2,565
)
  
$
(1,574
)
  
$
424
    
$
71,229
  
                                                                 
The accompanying notes are an integral part of the consolidated financial statements.
                                          

Pathfinder Bancorp, Inc.
  
Consolidated Statements of Cash Flows
  
             
   
For the Years ended December 31,
  
(In thousands)
  
2016
    
2015
  
OPERATING ACTIVITIES
            
Net income attributable to Pathfinder Bancorp, Inc.
  
$
3,272
    
$
2,889
  
Adjustments to reconcile net income to net cash flows from operating activities:
                
Provision for loan losses
    
953
      
1,349
  
Deferred income tax (benefit) expense
    
(249
)
    
116
  
Proceeds from sale of loans
    
202
      
69
  
Originations of loans held-for-sale
    
(197
)
    
(68
)
Realized losses (gains) on sales, redemptions and calls of:
                
Real estate acquired through foreclosure
    
50
      
(1
)
Loans
    
(10
)
    
(33
)
Available-for-sale investment securities
    
(456
)
    
(422
)
Held-to-maturity investment securities
    
(53
)
    
-
  
Depreciation
    
1,019
      
998
  
Amortization of mortgage servicing rights
    
12
      
14
  
Amortization of deferred loan costs
    
222
      
170
  
Amortization of deferred financing from subordinated loan
    
34
      
-
  
Earnings and gain on bank owned life insurance
    
(307
)
    
(259
)
Realized gain on proceeds from bank owned life insurance
    
-
      
(142
)
Net amortization of premiums and discounts on investment securities
    
1,211
      
865
  
Amortization of intangible assets
    
16
      
16
  
Stock based compensation and ESOP expense
    
557
      
354
  
Net change in accrued interest receivable
    
(479
)
    
(204
)
Net change in other assets and liabilities
    
574
      
600
  
Net cash flows from operating activities
    
6,371
      
6,311
  
INVESTING ACTIVITIES
                
Purchase of investment securities available-for-sale
    
(145,264
)
    
(67,634
)
Purchase of investment securities held-to-maturity
    
(16,859
)
    
(6,317
)
Net (purchases of) proceeds from  Federal Home Loan Bank stock
    
(826
)
    
1,030
  
Proceeds from maturities and principal reductions of
                
investment securities available-for-sale
    
68,506
      
30,420
  
Proceeds from maturities and principal reductions of
                
investment securities held-to-maturity
    
3,659
      
2,903
  
Proceeds from sales, redemptions and calls of:
                
Available-for-sale investment securities
    
30,228
      
25,180
  
Held-to-maturity investment securities
    
3,000
      
-
  
Real estate acquired through foreclosure
    
279
      
432
  
Realized gains on hedging activity
    
(85
)
    
-
  
Acquisition of insurance agency
    
-
      
(225
)
Proceeds from bank owned life insurance
    
-
      
142
  
Net change in loans
    
(62,733
)
    
(44,784
)
Purchase of premises and equipment
    
(1,362
)
    
(2,632
)
Net cash flows from investing activities
    
(121,457
)
    
(61,485
)


FINANCING ACTIVITIES
            
Net change in demand deposits, NOW accounts, savings accounts,
            
money management deposit accounts, MMDA accounts and escrow deposits
    
57,830
      
80,850
  
Net change in time deposits
    
28,594
      
9,936
  
Net change in brokered deposits
    
34,244
      
(16,039
)
Net change in short-term borrowings
    
17,147
      
(30,300
)
Payments on long-term borrowings
    
(3,000
)
    
(13,000
)
Proceeds from long-term borrowings
    
3,500
      
18,500
  
Proceeds from subordinated loans
    
-
      
9,836
  
Repayment of loan on cash surrender value of bank owned life insurance
    
(536
)
    
-
  
Redemption of preferred stock - SBLF
    
(13,000
)
    
-
  
Purchase of common stock
    
(1,755
)
    
-
  
Proceeds from exercise of stock options
    
143
      
9
  
Cash dividends paid to preferred shareholder - SBLF
    
(49
)
    
(130
)
Cash dividends paid to common shareholders
    
(866
)
    
(609
)
Change in noncontrolling interest, net
    
8
      
10
  
Net cash flows from financing activities
    
122,260
      
59,063
  
Change in cash and cash equivalents
    
7,174
      
3,889
  
Cash and cash equivalents at beginning of period
    
15,245
      
11,356
  
Cash and cash equivalents at end of period
  
$
22,419
    
$
15,245
  
CASH PAID DURING THE PERIOD FOR:
                
Interest
  
$
3,928
    
$
2,521
  
Income taxes
    
970
      
1,237
  
NON-CASH INVESTING ACTIVITY
                
Real estate acquired in exchange for loans
    
390
      
722
  
                 
The accompanying notes are an integral part of the consolidated financial statements.
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

NOTE 1: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Nature of Operations

The accompanying consolidated financial statements include the accounts of Pathfinder Bancorp, Inc. (the "Company") and its wholly owned subsidiary, Pathfinder Bank (the "Bank"). The Company is a Maryland corporation headquartered in Oswego, New York. On October 16, 2014, the Company completed its conversion from the mutual holding company structure and the related public offering and is now a stock holding company that is fully owned by the public.  As a result of the conversion, the mutual holding company and former mid-tier holding company were merged into Pathfinder Bancorp, Inc. The primary business of the Company is its investment in Pathfinder Bank (the "Bank") which is 100% owned by the Company.  The Company sold 2,636,053 shares of common stock in the offering, including 105,442 shares sold to the Pathfinder Bank employee stock ownership plan ("ESOP").  All shares were sold at a price of $10.00 per share raising $26.4 million in gross proceeds.  Additionally, $197,000 in cash was received from the merger of MHC into the company; and after accounting for conversion related expenses of $1.5 million, the Company received $24.9 million in net proceeds.  Concurrent with the completion of the offering, publicly owned shares of Pathfinder Bancorp, Inc., a federal corporation, were exchanged for 1.6472 shares of the Company's common stock. At December 31, 2016, 4,236,744 shares of common stock were outstanding. The Bank has three wholly owned operating subsidiaries, Pathfinder Risk Management Company, Inc. ("PRMC"), Pathfinder REIT, Inc. and Whispering Oaks Development Corp. All significant inter-company accounts and activity have been eliminated in consolidation.  Although the Company owns, through its subsidiary PRMC, 51% of the membership interest in FitzGibbons Agency, LLC ("FitzGibbons"), the Company is required to consolidate 100% of FitzGibbons within the consolidated financial statements.  The 49% of which the Company does not own is accounted for separately as noncontrolling interests within the consolidated financial statements.

The Company has seven offices located in Oswego County and two offices in Onondaga County.  The Company is primarily engaged in the business of attracting deposits from the general public in the Company's market area, and investing such deposits, together with other sources of funds, in loans secured by commercial real estate, business assets, one-to-four family residential real estate and investment securities.

Use of Estimates in the Preparation of Consolidated Financial Statements

The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.  Management has identified the allowance for loan losses, deferred income taxes, pension obligations, the annual evaluation of the Company's goodwill for possible impairment and the evaluation of investment securities for other than temporary impairment and the estimation of fair values for accounting and disclosure purposes to be the accounting areas that require the most subjective and complex judgments, and as such, could be the most subject to revision as new information becomes available.

The Company is subject to the regulations of various governmental agencies.  The Company also undergoes periodic examinations by the regulatory agencies which may subject it to further changes with respect to asset valuations, amounts of required loss allowances, and operating restrictions resulting from the regulators' judgments based on information available to them at the time of their examinations.

Significant Group Concentrations of Credit Risk

Most of the Company's activities are with customers located primarily in Oswego and Onondaga counties of New York State.  A large portion of the Company's portfolio is centered in residential and commercial real estate.  The Company closely monitors real estate collateral values and requires additional reviews of commercial real estate appraisals by a qualified third party for commercial real estate loans in excess of $400,000.  All residential loan appraisals are reviewed by an individual or third party who is independent of the loan origination or approval process and was not involved in the approval of appraisers or selection of the appraiser for the transaction, and has no direct or indirect interest, financial or otherwise in the property or the transaction.  Note 4 discusses the types of securities that the Company invests in.  Note 5 discusses the types of lending that the Company engages in.  The Company does not have any significant concentrations to any one industry or customer.
 
 

Advertising

The Company follows the policy of charging the costs of advertising to expense as incurred.

Noncontrolling Interest

Noncontrolling interest represents the portion of ownership and profit or loss that is attributable to the minority owners of the FitzGibbons Agency.

Cash and Cash Equivalents

Cash and cash equivalents include cash on hand, amounts due from banks and interest-bearing deposits (with original maturity of three months or less).

Investment Securities

The Company classifies investment securities as either available-for-sale or held-to-maturity.  The Company does not hold any securities considered to be trading.  Available-for-sale securities are reported at fair value, with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of the applicable income tax effect.  Held-to-maturity securities are those that the Company has the ability and intent to hold until maturity and are reported at amortized cost.

Gains or losses on investment security transactions are based on the amortized cost of the specific securities sold.  Premiums and discounts on securities are amortized and accreted into income using the interest method over the period to maturity.

Note 4 to the consolidated financial statements includes additional information about the Company's accounting policies with respect to the impairment of investment securities.

Federal Home Loan Bank Stock

Federal law requires a member institution of the Federal Home Loan Bank ("FHLB") system to hold stock of its district FHLB according to a predetermined formula.  The stock is carried at cost.

Transfers of Financial Assets

Transfers of financial assets, including sales of loans and loan participations, are accounted for as sales when control over the assets has been surrendered.  Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.




Loans

The Company grants mortgage, commercial, municipal, and consumer loans to customers.  Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are stated at their outstanding unpaid principal balances, less the allowance for loan losses plus net deferred loan origination costs. The ability of the Company's debtors to honor their contracts is dependent upon the real estate and general economic conditions in the market area.  Interest income is generally recognized when income is earned using the interest method. Nonrefundable loan fees received and related direct origination costs incurred are deferred and amortized over the life of the loan using the interest method, resulting in a constant effective yield over the loan term. Deferred fees are recognized into income and deferred costs are charged to income immediately upon prepayment of the related loan.

The loans receivable portfolio is segmented into residential mortgage, commercial and consumer loans.  The residential mortgage segment consists of one-to-four family first-lien residential mortgages and construction loans.  Commercial loans consist of the following classes: real estate, lines of credit, other commercial and industrial, and tax-exempt loans.  Consumer loans include both home equity lines of credit and loans with junior liens and other consumer loans.

Allowance for Loan Losses

The allowance for loan losses represents management's estimate of losses inherent in the loan portfolio as of the date of the statement of condition and it is recorded as a reduction of loans.  The allowance is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries.  Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance.  All, or part, of the principal balance of loans receivable are charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely.  Non-residential consumer loans are generally charged off no later than 120 days past due on a contractual basis, unless productive collection efforts are providing results.  Consumer loans may be charged off earlier in the event of bankruptcy, or if there is an amount that is deemed uncollectible.  No portion of the allowance for loan losses is restricted to any individual loan product and the entire allowance is available to absorb any and all loan losses.

The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated.  Management performs a quarterly evaluation of the adequacy of the allowance.  The allowance is based on three major components which are; specific components for larger loans, recent historical losses and several qualitative factors applied to a general pool of loans, and an unallocated component.

The first component is the specific component that relates to loans that are classified as impaired.  For these loans, an allowance is established when the discounted cash flows or collateral value of the impaired loan is lower than the carrying value of that loan.

The second or general component covers pools of loans, by loan class, not considered impaired, smaller balance homogeneous loans, such as residential real estate, home equity and other consumer loans.  These pools of loans are evaluated for loss exposure first based on historical loss rates for each of these categories of loans. The ratio of net charge-offs to loan outstandings within each product class, over the most recent eight quarters, lagged by one quarter, is used to generate the historical loss rates.  In addition, qualitative factors are added to the historical loss rates in arriving at the total allowance for loan loss need for this general pool of loans.  The qualitative factors include changes in national and local economic trends, the rate of growth in the portfolio, trends of delinquencies and nonaccrual balances, changes in loan policy, and changes in lending management experience and related staffing.  Each factor is assigned a value to reflect improving, stable or declining conditions based on management's best judgment using relevant information available at the time of the evaluation.  These qualitative factors, applied to each product class, make the evaluation inherently subjective, as it requires material estimates that may be susceptible to significant revision as more information becomes available.  Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for loan loss analysis and calculation.
 

 
The third or unallocated component is maintained to cover uncertainties that could affect management's estimate of probable losses.  The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio and generally comprises less than 10% of the total allowance for loan loss.

A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due.  Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and shortfalls on a case-by case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length and reason for the delay, the borrower's prior payment record and the amount of shortfall in relation to what is owed.  Impairment is measured by either the present value of the expected future cash flows discounted at the loan's effective interest rate or the fair value of the underlying collateral if the loan is collateral dependent.  The majority of the Company's loans utilize the fair value of the underlying collateral.

An allowance for loan loss is established for an impaired loan if its carrying value exceeds its estimated fair value.  The estimated fair values of substantially all of the Company's impaired loans are measured based on the estimated fair value of the loan's collateral.  For loans secured by real estate, estimated fair values are determined primarily through third-party appraisals, less costs to sell.  Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value.  The discounts also include estimated costs to sell the property.

For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower's financial statements, inventory reports, accounts receivable agings or equipment appraisals or invoices.  Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets.

Large groups of homogeneous loans are collectively evaluated for impairment.  Accordingly, the Company does not separately identify individual residential mortgage loans less than $300,000, home equity and other consumer loans for impairment disclosures, unless such loans are related to borrowers with impaired commercial loans or they are subject to a troubled debt restructuring agreement.  Loans that are related to borrowers with impaired commercial loans or are subject to a troubled debt restructuring agreement are evaluated individually for impairment. .

Commercial loans whose terms are modified are classified as troubled debt restructurings if the Company grants such borrowers concessions and it is deemed that those borrowers are experiencing financial difficulty.  Concessions granted under a troubled debt restructuring generally include but are not limited to a temporary reduction in the interest rate or an extension of a loan's stated maturity date.  Commercial loans classified as troubled debt restructurings are designated as impaired and evaluated individually as discussed above.

The allowance calculation methodology includes further segregation of loan classes into risk rating categories.  The borrower's overall financial condition, repayment sources, guarantors and value of the collateral, if appropriate, are evaluated not less than annually for commercial loans or when credit deficiencies arise on all loans.  Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss.  See Note 5 for a description of these regulatory classifications.

In addition, Federal and State regulatory agencies, as an integral part of their examination process, periodically review the Company's allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management.  Based on management's comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate.
 
 
Income Recognition on Impaired and Nonaccrual Loans

For all classes of loans receivable, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing.  A loan may remain on accrual status if it is either well secured or guaranteed and in the process of collection.  When a loan is placed on nonaccrual status, unpaid interest is reversed and charged to interest income.  Interest received on nonaccrual loans, including impaired loans, generally is either applied against principal or reported as interest income, according to management's judgment as to the collectability of principal.  Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time, generally six months, and the ultimate collectability of the total contractual principal and interest is no longer in doubt.  Nonaccrual troubled debt restructurings are restored to accrual status if principal and interest payments, under the modified terms, are current for six consecutive months after modification.

For nonaccrual loans, when future collectability of the recorded loan balance is expected, interest income may be recognized on a cash basis. In the case where a nonaccrual loan had been partially charged off, recognition of interest on a cash basis is limited to that which would have been recognized on the recorded loan balance at the contractual interest rate. Cash interest receipts in excess of that amount are recorded as recoveries to the allowance for loan losses until prior charge-offs have been fully recovered.

Off-Balance Sheet Credit Related Financial Instruments

In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under standby letters of credit.  Such financial instruments are recorded when they are funded.

Premises and Equipment

Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed on a straight-line basis over the estimated useful lives of the related assets, ranging up to 40 years for premises and 10 years for equipment. Maintenance and repairs are charged to operating expenses as incurred.  The asset cost and accumulated depreciation are removed from the accounts for assets sold or retired and any resulting gain or loss is included in the determination of income.

Foreclosed Real Estate

Physical possession of residential real estate property collateralizing a residential mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrower conveys all interest in the property to satisfy the loan through completion of a deed-in-lieu of foreclosure or through a similar legal agreement.  Properties acquired through foreclosure, or by deed-in-lieu of foreclosure, are recorded at their fair value less estimated costs to sell.  Fair value is typically determined based on evaluations by third parties.  Costs incurred in connection with preparing the foreclosed real estate for disposition are capitalized to the extent that they enhance the overall fair value of the property. Any write-downs on the asset's fair value less costs to sell at the date of acquisition are charged to the allowance for loan losses.  Subsequent write downs and expenses of foreclosed real estate are included as a valuation allowance and recorded in noninterest expense.

Goodwill and Intangible Assets

Goodwill represents the excess cost of an acquisition over the fair value of the net assets acquired.  Goodwill is not amortized, but is evaluated annually for impairment.  Intangible assets, such as customer relationships, are amortized over their useful lives, generally 15 years.
 
 
Mortgage Servicing Rights

Originated mortgage servicing rights are recorded at their fair value at the time of transfer of the related loans and are amortized in proportion to, and over the period of, estimated net servicing income or loss.  The carrying value of the originated mortgage servicing rights is periodically evaluated for impairment or between annual evaluations under certain circumstances.

Stock-Based Compensation

Compensation costs related to share-based payment transactions are recognized based on the grant-date fair value of the stock-based compensation issued. Compensation costs are recognized over the period that an employee provides service in exchange for the award.  Compensation costs related to the Employee Stock Ownership Plan are dependent upon the average stock price and the shares committed to be released to plan participants through the period in which income is reported.

Retirement Benefits

The Company has a non-contributory defined benefit pension plan that covered substantially all employees. On May 14, 2012, the Company informed its employees of its decision to freeze participation and benefit accruals under the plan, primarily to reduce some of the volatility in earnings that can accompany the maintenance of a defined benefit plan.  The plan was frozen on June 30, 2012.  Compensation earned by employees up to June 30, 2012 is used for purposes of calculating benefits under the plan but there will be no future benefit accruals after this date.  Participants as of June 30, 2012 will continue to earn vesting credit with respect to their frozen accrued benefits as they continue to work. Pension expense under these plans is charged to current operations and consists of several components of net pension cost based on various actuarial assumptions regarding future experience under the plans.

Gains and losses, prior service costs and credits, and any remaining transition amounts that have not yet been recognized through net periodic benefit cost are recognized in accumulated other comprehensive loss, net of tax effects, until they are amortized as a component of net periodic cost.  Plan assets and obligations are measured as of the Company's statement of condition date.

The Company has unfunded deferred compensation and supplemental executive retirement plans for selected current and former employees and officers that provide benefits that cannot be paid from a qualified retirement plan due to Internal Revenue Code restrictions. These plans are nonqualified under the Internal Revenue Code, and assets used to fund benefit payments are not segregated from other assets of the Company, therefore, in general, a participant's or beneficiary's claim to benefits under these plans is as a general creditor.

The Bank sponsors an Employee Stock Ownership Plan ("ESOP") covering substantially all full time employees.  The cost of shares issued to the ESOP but not committed to be released to the participants is presented in the consolidated statement of condition as a reduction of shareholders' equity.  ESOP shares are released to the participants on an annual basis in accordance with a predetermined schedule.  The Company records ESOP compensation expense based on the shares committed to be released and allocated to the participant's accounts multiplied by the average share price of the Company's stock over the period.  Dividends related to unallocated shares are recorded as compensation expense.

Derivative Financial Instruments 

Derivatives are recorded on the statement of condition as assets and liabilities measured at their fair value. The accounting for increases and decreases in the value of derivatives depends upon the use of derivatives and whether the derivatives qualify for hedge accounting.  The Company currently has one interest rate swap, which has been determined to be a cash flow hedge.  The fair value of cash-flow hedging instruments ("Cash Flow Hedge") is recorded in either other assets or other liabilities. On an ongoing basis, the statement of condition is adjusted to reflect the then current fair value of the Cash Flow Hedge. The related gains or losses are reported in other comprehensive income (loss) and are subsequently reclassified into earnings, as a yield adjustment in the same period in which the related interest on the hedged item (primarily a variable-rate debt obligation) affects earnings. To the extent that the Cash Flow Hedge is not effective, the ineffective portion of the Cash Flow Hedge is immediately recognized as interest expense.
 
 

As a hedge against rising short-term interest rates, the Company sold a U.S. Treasury security in the amount of $25 million during the fourth quarter of 2016.  The Company was in controlling possession of, but did not own, the security which had been received as collateral, under an industry-standard repurchase agreement, for a 30-day no interest loan of approximately $25 million to an unrelated third party. The sale of this security provided the funds necessary to advance the loan to the third party and placed the Company in what is generally described as a "short position" with respect to the sold U.S. Treasury security. This transaction acted as a hedge against rising short-term interest rates because the price of the security would be expected to decline in a rising short-term interest rate environment and could be subsequently re-acquired at the conclusion of the 30-day loan period at a price lower than the price at which it was originally sold.  Short-term rates rose during the 30-day loan period and, consequently, the Company recognized a gain on the sale of securities in the amount of $85,000 and a tax benefit of $34,000 when the Treasury security was repurchased.  The tax benefit arose from the reversal of reserves established in prior years against the Company's deferred tax asset position as the transaction gain was characterized as a capital gain for tax purposes.  This capital gain was essentially tax free to the Company as the result of the utilization of existing, previously reserved-for, capital loss tax carryforwards that were established in 2011 and 2013. The recognized tax benefit reduced the Company's effective tax rate from what would have been 26.6% to 25.2% in 2016.  The gain income and the recognized tax benefits derived from this transaction were partially offset by an additional $54,000 in after-tax interest expense that increased interest expense and therefore reduced pretax net interest margin by $82,000 in the fourth quarter of 2016.  In total, after-tax net income was increased by approximately $65,000 during the fourth quarter of 2016 as a result of this transaction. Prior to the commencement of this transaction, the Company incurred consulting and placement fees of $59,000, of which $53,000 has been recorded on the Company's Consolidated Statements of Condition as deferred fees. These deferred fees will be recognized ratably as interest expense on the occasions that this hedging position is reestablished in future periods.  The hedge position was closed on December 23, 2016 and, other than the deferred fees of $53,000 discussed above, had no effect on the Company's consolidated financial condition at December 31, 2016.

Income Taxes

Provisions for income taxes are based on taxes currently payable or refundable and deferred income taxes on temporary differences between the tax basis of assets and liabilities and their reported amounts in the consolidated financial statements. Deferred tax assets and liabilities are reported in the consolidated financial statements at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized or settled.

Earnings Per Share

Basic earnings per common share are computed by dividing net income, after preferred stock dividends and preferred stock discount accretion, by the weighted average number of common shares outstanding throughout each year.  Diluted earnings per share gives effect to weighted average shares that would be outstanding assuming the exercise of issued stock options and warrants using the treasury stock method.  Unallocated shares of the Company's ESOP plan are not included when computing earnings per share until they are committed to be released.

Segment Reporting

The Company has evaluated the activities relating to its strategic business units.  The controlling interest in the FitzGibbons Agency is dissimilar in nature and management when compared to the Company's other strategic business units which are judged to be similar in nature and management.  The Company has determined that the FitzGibbons Agency is below the reporting threshold in size in accordance with Accounting Standards Codification 280.  Accordingly, the Company has determined it has no reportable segments.
 

 
Comprehensive Income (Loss)

Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income.  Although certain changes in assets and liabilities are reported as a separate component of the equity section of the statement of condition, such items, along with net income, are components of comprehensive income. 

Accumulated other comprehensive loss represents the sum of these items, with the exception of net income, as of the balance sheet date and is represented in the table below.
   
As of December 31,
  
Accumulated Other Comprehensive Loss By Component:
  
2016
    
2015
  
Unrealized loss for pension and other postretirement obligations
  
$
(2,520
)
  
$
(3,073
)
Tax effect
    
1,007
      
1,229
  
Net unrealized loss for pension and other postretirement obligations
    
(1,513
)
    
(1,844
)
Unrealized loss on financial derivative instruments used in cash flow hedging relationships
    
-
      
(27
)
Tax effect
    
-
      
11
  
Net unrealized loss on financial derivative instruments used in cash flow hedging relationships
    
-
      
(16
)
Unrealized loss on available-for-sale securities
    
(3,072
)
    
(85
)
Tax effect
    
1,227
      
34
  
Net unrealized loss on available-for-sale securities
    
(1,845
)
    
(51
)
Unrealized loss on securities transferred to held-to-maturity
    
(774
)
    
(1,090
)
Tax effect
    
310
      
436
  
Net unrealized loss on securities transferred to held-to-maturity
    
(464
)
    
(654
)
Accumulated other comprehensive loss
  
$
(3,822
)
  
$
(2,565
)

Reclassifications

Certain amounts in the 2015 consolidated financial statements have been reclassified to conform to the current year presentation.  These reclassifications had no effect on net income as previously reported.

NOTE 2:  NEW ACCOUNTING PRONOUNCEMENTS 

ASU 2016-18, Statement of Cash Flows (Topic 230): Restricted Cash (a consensus of the FASB Emerging Issues Task Force).  This guidance amended the requirements for the presentation of restricted cash in the statement of cash flows.   The guidance requires that restricted cash and restricted cash equivalents be included with cash and cash equivalents when reconciling the beginning-of-period and end-of-period total amounts showed on the statement of cash flows.  In addition, when cash, cash equivalents, and restricted cash or cash equivalents are presented on  more than one line item within the statement of financial position, the line items and amounts must be presented on the face of the statement of cash flows or disclosed in the notes to the financial statements.  Information about the nature of restrictions on an entity's cash and cash equivalents must also be disclosed.  The guidance is effective for annual periods and interim periods within those annual periods beginning after December 15, 2017, using a retrospective method. The Company is evaluating the impact of the guidance may have on the presentation of its consolidated future cash flows.

ASU 2017-01, Business Combinations (Topic 805), Clarifying the Definition of a Business.  This new guidance clarifies the definition of a business with the objective of adding guidance to assist entities with evaluating whether transactions should be accounted for as acquisitions (or disposals) of assets or businesses. The definition of a business affects many areas of accounting including acquisitions, disposals, goodwill, and consolidation.  The amendments in this Update affect all reporting entities that must determine whether they have acquired or sold a business.

Under the current implementation guidance in Topic 805, there are three elements of a business—inputs, processes, and outputs. While an integrated set of assets and activities (collectively referred to as a "set") that is a business usually has outputs, outputs are not required to be present. In addition, all the inputs and processes that a seller uses in operating a set are not required if market participants can acquire the set and continue to produce outputs, for example, by integrating the acquired set with their own inputs and processes.
 
 

The amendments in this Update provide a screen to determine when a set is not a business. The screen requires that when substantially all of the fair value of the gross assets acquired (or disposed of) is concentrated in a single identifiable asset or a group of similar identifiable assets, the set is not a business. This screen reduces the number of transactions that need to be further evaluated.

If the screen is not met, the amendments in this Update (1) require that to be considered a business, a set must include, at a minimum, an input and a substantive process that together significantly contribute to the ability to create output and (2) remove the evaluation of whether a market participant could replace missing elements. The amendments provide a framework to assist entities in evaluating whether both an input and a substantive process are present. The framework includes two sets of criteria to consider that depend on whether a set has outputs. Although outputs are not required for a set to be a business, outputs generally are a key element of a business; therefore, the Board has developed more stringent criteria for sets without outputs.

Lastly, the amendments in this Update narrow the definition of the term output so that the term is consistent with how outputs are described in Topic 606.

The Company should apply the amendments in this Update to annual periods beginning after December 15, 2017, including interim periods within those periods.  The amendments in this Update should be applied prospectively on or after the effective date. No disclosures are required at transition. The Company does not expect that the guidance to have a material impact on its consolidated financial statements.

ASU 2017-03, Accounting Changes and Error Corrections (Topic 250) and Investments-Equity Method and Joint Ventures (Topic 323), Amendments to SEC Paragraphs Pursuant to Staff Announcements at the September 22, 2016 and November 17, 2016 EITF Meetings.  This new guidance provides the SEC staff view that a registrant should evaluate ASUs that have not yet been adopted to determine the appropriate financial statement disclosures about the potential material effects of those ASUs on the financial statements when adopted. Consistent with Topic 11.M, if a registrant does not know or cannot reasonably estimate the impact that adoption of the ASUs referenced in this announcement is expected to have on the financial statements, then in addition to making a statement to that effect, that registrant should consider additional qualitative financial statement disclosures to assist the reader in assessing the significance of the impact that the standard will have on the financial statements of the registrant when adopted. In this regard, the SEC staff expects the additional qualitative disclosures to include a description of the effect of the accounting policies that the registrant expects to apply, if determined, and a comparison to the registrant's current accounting policies. Also, a registrant should describe the status of its process to implement the new standards and the significant implementation matters yet to be addressed.

ASU 2017-04, Intangibles-Goodwill and Other (Topic 350), Simplifying the Test for Goodwill Impairment.  This new guidance simplifies the subsequent measurement of goodwill, the Board eliminated Step 2 from the goodwill impairment test. In computing the implied fair value of goodwill under Step 2, an entity had to perform procedures to determine the fair value at the impairment testing date of its assets and liabilities (including unrecognized assets and liabilities) following the procedure that would be required in determining the fair value of assets acquired and liabilities assumed in a business combination.

Instead, under the amendments in this Update, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit's fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. Additionally, an entity should consider income tax effects from any tax deductible goodwill on the carrying amount of the reporting unit when measuring the goodwill impairment loss, if applicable.
 
 

The Board also eliminated the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test. Therefore, the same impairment assessment applies to all reporting units. An entity is required to disclose the amount of goodwill allocated to each reporting unit with a zero or negative carrying amount of net assets.

An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. This Update also includes amendments to the Overview and Background Sections of the Codification (as discussed in Part II of the amendments) as part of the Board's initiative to unify and improve the Overview and Background Sections across Topics and Subtopics. These changes should not affect the related guidance in these Subtopics.

An entity should apply the amendments in this Update on a prospective basis. An entity is required to disclose the nature of and reason for the change in accounting principle upon transition. That disclosure should be provided in the first annual period and in the interim period within the first annual period when the entity initially adopts the amendments in this Update.

A public business entity that is a U.S. Securities and Exchange Commission (SEC) filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019.

A public business entity that is not an SEC filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2020.

Early adoption is permitted for interim or annual goodwill impairment tests performed on testing dates after January 1, 2017.

NOTE 3:  EARNINGS PER SHARE

Basic earnings per share are calculated by dividing net income available to common shareholders by the weighted average number of common shares outstanding during the period.  Net income available to common shareholders is net income to Pathfinder Bancorp, Inc. less the total of preferred dividends declared. Diluted earnings per share include the potential dilutive effect that could occur upon the assumed exercise of issued stock options using the Treasury Stock method.  Anti-dilutive shares are common stock equivalents with average exercise prices in excess of the weighted average market price for the period presented. Anti-dilutive stock options, not included in the computation below, were 214,415 and 4,118 for the years ended 2016 and 2015, respectively.  Unallocated common shares held by the ESOP are not included in the weighted-average number of common shares outstanding for purposes of calculating earnings per common share until they are committed to be released to plan participants.

The following table sets forth the calculation of basic and diluted earnings per share.

   
Years ended
  
   
December 31,
  
(In thousands, except per share data)
  
2016
    
2015
  
Basic Earnings Per Common Share
            
Net income available to common shareholders
  
$
3,256
    
$
2,759
  
Weighted average common shares outstanding
    
4,105
      
4,124
  
Basic earnings per common share
  
$
0.79
    
$
0.67
  
                 
Diluted Earnings Per Common Share
                
Net income available to common shareholders
  
$
3,256
    
$
2,759
  
Weighted average common shares outstanding
    
4,105
      
4,124
  
Effect of assumed exercise of stock options
    
85
      
67
  
Diluted weighted average common shares outstanding
    
4,190
      
4,191
  
Diluted earnings per common share
  
$
0.78
    
$
0.66
  
 
 
NOTE 4: INVESTMENT SECURITIES

The amortized cost and estimated fair value of investment securities are summarized as follows:

 
  
December 31, 2016
  
         
Gross
    
Gross
    
Estimated
  
   
Amortized
    
Unrealized
    
Unrealized
    
Fair
  
(In thousands)
  
Cost
    
Gains
    
Losses
    
Value
  
Available-for-Sale Portfolio
                        
Debt investment securities:
                        
US Treasury, agencies and GSEs
  
$
24,263
    
$
1
    
$
(80
)
  
$
24,184
  
State and political subdivisions
    
17,185
      
33
      
(737
)
    
16,481
  
Corporate
    
15,560
      
20
      
(385
)
    
15,195
  
Asset backed securities
    
6,696
      
5
      
(37
)
    
6,664
  
Residential mortgage-backed - US agency
    
31,204
      
-
      
(638
)
    
30,566
  
Collateralized mortgage obligations - US agency
    
42,124
      
45
      
(1,183
)
    
40,986
  
Collateralized mortgage obligations - Private label
    
6,682
      
-
      
(105
)
    
6,577
  
Total
    
143,714
      
104
      
(3,165
)
    
140,653
  
Equity investment securities:
                                
Mutual funds:
                                
Ultra short mortgage fund
    
643
      
-
      
(17
)
    
626
  
Common stock - financial services industry
    
663
      
13
      
-
      
676
  
Total
    
1,306
      
13
      
(17
)
    
1,302
  
Total available-for-sale
  
$
145,020
    
$
117
    
$
(3,182
)
  
$
141,955
  
                                 
Held-to-Maturity Portfolio
                                
Debt investment securities:
                                
US Treasury, agencies and GSEs
  
$
4,928
    
$
30
    
$
(18
)
  
$
4,940
  
State and political subdivisions
    
30,697
      
572
      
(693
)
    
30,576
  
Corporate
    
8,240
      
85
      
(228
)
    
8,097
  
Residential mortgage-backed - US agency
    
6,386
      
31
      
(20
)
    
6,397
  
Collateralized mortgage obligations - US agency
    
2,927
      
96
      
-
      
3,023
  
Collateralized mortgage obligations - Private label
    
1,467
      
-
      
(71
)
    
1,396
  
Total held-to-maturity
  
$
54,645
    
$
814
    
$
(1,030
)
  
$
54,429
  

 
  
December 31, 2015
  
         
Gross
    
Gross
    
Estimated
  
   
Amortized
    
Unrealized
    
Unrealized
    
Fair
  
(In thousands)
  
Cost
    
Gains
    
Losses
    
Value
  
Available-for-Sale Portfolio
                        
Debt investment securities:
                        
US Treasury, agencies and GSEs
  
$
21,380
    
$
13
    
$
(85
)
  
$
21,308
  
State and political subdivisions
    
8,198
      
107
      
(5
)
    
8,300
  
Corporate
    
18,173
      
51
      
(96
)
    
18,128
  
Residential mortgage-backed - US agency
    
32,740
      
113
      
(280
)
    
32,573
  
Collateralized mortgage obligations - US agency
    
16,880
      
95
      
(142
)
    
16,833
  
Total
    
97,371
      
379
      
(608
)
    
97,142
  
Equity investment securities:
                                
Mutual funds:
                                
Ultra short mortgage fund
    
643
      
-
      
(5
)
    
638
  
Large cap equity fund
    
456
      
127
      
-
      
583
  
Common stock - financial services industry
    
554
      
25
      
-
      
579
  
Total
    
1,653
      
152
      
(5
)
    
1,800
  
Total available-for-sale
  
$
99,024
    
$
531
    
$
(613
)
  
$
98,942
  
                                 
Held-to-Maturity Portfolio
                                
Debt investment securities:
                                
US Treasury, agencies and GSEs
  
$
7,860
    
$
81
    
$
(29
)
  
$
7,912
  
State and political subdivisions
    
21,585
      
881
      
-
      
22,466
  
Corporate
    
4,175
      
53
      
(3
)
    
4,225
  
Residential mortgage-backed - US agency
    
7,763
      
137
      
(5
)
    
7,895
  
Collateralized mortgage obligations - US agency
    
2,914
      
103
      
-
      
3,017
  
Total held-to-maturity
  
$
44,297
    
$
1,255
    
$
(37
)
  
$
45,515
  

The majority of the Company's investments in mortgage-backed securities include pass-through securities and collateralized mortgage obligations issued and guaranteed by Fannie Mae, Freddie Mac, and Ginnie Mae.  As of December 31, 2016, the Company also held a total of seven private-label mortgage-backed securities or collateralized mortgage obligations with an aggregate book balance of $9.8 million and five private-label asset backed securities collateralized by consumer loans with an aggregate book balance of $6.7 million.  These investments are relatively short-duration securities with significant credit enhancements.  There were no private-label investments in the securities portfolio at December 31, 2015.  The Company's investments in state and political obligation securities are generally municipal obligations that are categorized as general obligations of the issuer that are supported by the overall taxing authority of the issuer, and in some cases are insured.  The obligations issued by school districts are generally supported by state administered insurance funds or credit enhancement programs.
The amortized cost and estimated fair value of debt investments at December 31, 2016 by contractual maturity are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties.

   
Available-for-Sale
    
Held-to-Maturity
  
   
Amortized
    
Estimated
    
Amortized
    
Estimated
  
 
  
Cost
    
Fair Value
    
Cost
    
Fair Value
  
(In thousands)
                        
Due in one year or less
  
$
14,678
    
$
14,680
    
$
206
    
$
205
  
Due after one year through five years
    
27,008
      
26,854
      
10,173
      
10,259
  
Due after five years through ten years
    
10,732
      
10,545
      
17,823
      
18,139
  
Due after ten years
    
11,286
      
10,445
      
15,663
      
15,010
  
Sub-total
    
63,704
      
62,524
      
43,865
      
43,613
  
Residential mortgage-backed - US agency
    
31,204
      
30,566
      
6,386
      
6,397
  
Collateralized mortgage obligations - US agency
    
42,124
      
40,986
      
2,927
      
3,023
  
Collateralized mortgage obligations - Private label
    
6,682
      
6,577
      
1,467
      
1,396
  
Totals
  
$
143,714
    
$
140,653
    
$
54,645
    
$
54,429
  


The Company's investment securities' gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, is as follows:

   
December 31, 2016
  
   
Less than Twelve Months
    
Twelve Months or More
    
Total
  
   
Number of
                
Number of
                
Number of
              
   
Individual
    
Unrealized
    
Fair
    
Individual
    
Unrealized
    
Fair
    
Individual
    
Unrealized
    
Fair
  
 
  
Securities
    
Losses
    
Value
    
Securities
    
Losses
    
Value
    
Securities
    
Losses
    
Value
  
(Dollars in thousands)
                                                      
Available-for-Sale
                                                      
US Treasury, agencies and GSE's
    
6
    
$
(80
)
  
$
22,161
      
-
    
$
-
    
$
-
      
6
    
$
(80
)
  
$
22,161
  
State and political subdivisions
    
53
      
(737
)
    
14,057
      
-
      
-
      
-
      
53
      
(737
)
    
14,057
  
Corporate
    
10
      
(385
)
    
10,587
      
-
      
-
      
-
      
10
      
(385
)
    
10,587
  
Asset backed securities
    
3
      
(37
)
    
4,455
      
-
      
-
      
-
      
3
      
(37
)
    
4,455
  
Equity and other investments
    
1
      
(17
)
    
626
      
-
      
-
      
-
      
1
      
(17
)
    
626
  
Residential mortgage-backed - US agency
    
23
      
(638
)
    
29,849
      
-
      
-
      
-
      
23
      
(638
)
    
29,849
  
Collateralized mortgage obligations - US agency
    
28
      
(1,087
)
    
33,376
      
4
      
(96
)
    
2,514
      
32
      
(1,183
)
    
35,890
  
Collateralized mortgage obligations - Private label
    
5
      
(105
)
    
6,577
      
-
      
-
      
-
      
5
      
(105
)
    
6,577
  
Totals
    
129
    
$
(3,086
)
  
$
121,688
      
4
    
$
(96
)
  
$
2,514
      
133
    
$
(3,182
)
  
$
124,202
  
Held-to-Maturity
                                                                        
US Treasury, agencies and GSE's
    
1
    
$
(18
)
  
$
982
      
-
    
$
-
    
$
-
      
1
    
$
(18
)
  
$
982
  
State and political subdivisions
    
16
      
(693
)
    
10,038
      
-
      
-
      
-
      
16
      
(693
)
    
10,038
  
Corporate
    
5
      
(228
)
    
4,402
      
-
      
-
      
-
      
5
      
(228
)
    
4,402
  
Residential mortgage-backed - US agency
    
3
      
(20
)
    
1,869
      
-
      
-
      
-
      
3
      
(20
)
    
1,869
  
Collateralized mortgage obligations - US agency
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Collateralized mortgage obligations - Private label
    
1
      
(71
)
    
1,396
      
-
      
-
      
-
      
1
      
(71
)
    
1,396
  
Totals
    
26
    
$
(1,030
)
  
$
18,687
      
-
    
$
-
    
$
-
      
26
    
$
(1,030
)
  
$
18,687
  






   
December 31, 2015
  
   
Less than Twelve Months
    
Twelve Months or More
    
Total
  
   
Number of
                
Number of
                
Number of
              
   
Individual
    
Unrealized
    
Fair
    
Individual
    
Unrealized
    
Fair
    
Individual
    
Unrealized
    
Fair
  
 
  
Securities
    
Losses
    
Value
    
Securities
    
Losses
    
Value
    
Securities
    
Losses
    
Value
  
(Dollars in thousands)
                                                      
Available-for-Sale
                                                      
US Treasury, agencies and GSE's
    
9
    
$
(70
)
  
$
13,382
      
1
    
$
(15
)
  
$
984
      
10
    
$
(85
)
  
$
14,366
  
State and political subdivisions
    
13
      
(4
)
    
1,894
      
3
      
(1
)
    
339
      
16
      
(5
)
    
2,233
  
Corporate
    
10
      
(57
)
    
8,123
      
2
      
(39
)
    
2,820
      
12
      
(96
)
    
10,943
  
Asset backed securities
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Equity and other investments
    
1
      
(5
)
    
638
      
-
      
-
      
-
      
1
      
(5
)
    
638
  
Residential mortgage-backed - US agency
    
14
      
(148
)
    
20,204
      
5
      
(132
)
    
4,812
      
19
      
(280
)
    
25,016
  
Collateralized mortgage obligations - US agency
    
6
      
(80
)
    
8,618
      
3
      
(62
)
    
1,789
      
9
      
(142
)
    
10,407
  
Collateralized mortgage obligations - Private label
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Totals
    
53
    
$
(364
)
  
$
52,859
      
14
    
$
(249
)
  
$
10,744
      
67
    
$
(613
)
  
$
63,603
  
Held-to-Maturity
                                                                        
US Treasury, agencies and GSE's
    
2
    
$
(29
)
  
$
2,970
      
-
    
$
-
    
$
-
      
2
    
$
(29
)
  
$
2,970
  
State and political subdivisions
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Corporate
    
1
      
(3
)
    
225
      
-
      
-
      
-
      
1
      
(3
)
    
225
  
Residential mortgage-backed - US agency
    
1
      
(5
)
    
795
      
-
      
-
      
-
      
1
      
(5
)
    
795
  
Collateralized mortgage obligations - US agency
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Collateralized mortgage obligations - Private label
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Totals
    
4
    
$
(37
)
  
$
3,990
      
-
    
$
-
    
$
-
      
4
    
$
(37
)
  
$
3,990
  

The Company conducts a formal review of investment securities on a quarterly basis for the presence of other-than-temporary impairment ("OTTI").  The Company assesses whether OTTI is present when the fair value of a debt security is less than its amortized cost basis at the statement of condition date.  Under these circumstances, OTTI is considered to have occurred (1) if we intend to sell the security; (2) if it is "more likely than not" we will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows is not anticipated to be sufficient to recover the entire amortized cost basis.  The guidance requires that credit-related OTTI is recognized in earnings while non-credit-related OTTI on securities not expected to be sold is recognized in other comprehensive income ("OCI").  Non-credit-related OTTI is based on other factors, including illiquidity and changes in the general interest rate environment.  Presentation of OTTI is made in the consolidated statement of income on a gross basis, including both the portion recognized in earnings as well as the portion recorded in OCI.  The gross OTTI would then be offset by the amount of non-credit-related OTTI, showing the net as the impact on earnings.

Management does not believe any individual unrealized loss in other securities within the portfolio as of December 31, 2016 represents OTTI.  All securities which have been in an unrealized loss position for 12 months or more are issued by United States agencies or government sponsored enterprises and consist of mortgage-backed securities, collateralized mortgage obligations and direct agency financings.  These positions in US government agency and government-sponsored enterprises are deemed to have no credit impairment, thus, the disclosed unrealized losses relate directly to changes in interest rates subsequent to the acquisition of the individual securities.  The Company does not intend to sell these securities, nor is it more likely than not that the Company will be required to sell these securities prior to the recovery of the amortized cost.

In determining whether OTTI has occurred for equity securities, the Company considers the applicable factors described above and the length of time the equity security's fair value has been below the carrying amount. Management has determined that we have the intent and ability to retain its equity securities for a sufficient period of time to allow for recovery. At December 31, 2016 and 2015, the Company had one mutual fund investment, categorized as an equity security, with a fair value below its book value.  This security, which represents an ownership interest in a mutual fund primarily invested in adjustable-rate mortgage securities, had a fair value of $626,000 at December 31, 2016, which was below its book value by $17,000 at that date.  This same security had a fair value of $638,000 at December 31, 2015 and that value was $5,000 below its book value at that date.
 
 

Proceeds of $33.2 million and $25.2 million, respectively on sales and redemptions of securities for the years ended December 31 resulted in gross realized gains (losses) detailed below:

(In thousands)
  
2016
    
2015
  
Realized gains on investments
  
$
526
    
$
439
  
Realized gains on hedging activity
    
85
      
-
  
Realized losses on investments
    
(17
)
    
(17
)
 
  
$
594
    
$
422
  

As of December 31, 2016 and December 31, 2015, securities with a fair value of $96.4 million and $89.7 million, respectively, were pledged to collateralize certain municipal deposit relationships.  As of the same dates, securities with a fair value of $12.9 million and $17.8 million were pledged against certain borrowing arrangements.

Management has reviewed its loan and mortgage-backed securities portfolios and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages.  The Company is not in the practice of investing in, or originating, these types of investments or loans.

NOTE 5: LOANS

Major classifications of loans are as follows:

   
December 31,
    
December 31,
  
(In thousands)
  
2016
    
2015
  
Residential mortgage loans:
            
1-4 family first-lien residential mortgages
  
$
199,000
    
$
181,792
  
Construction
    
8,505
      
7,924
  
Total residential mortgage loans
    
207,505
      
189,716
  
                 
Commercial loans:
                
Real estate
    
150,698
      
129,506
  
Lines of credit
    
23,225
      
19,035
  
Other commercial and industrial
    
67,646
      
54,899
  
Tax exempt loans
    
12,523
      
9,081
  
Total commercial loans
    
254,092
      
212,521
  
                 
Consumer loans:
                
Home equity and junior liens
    
24,722
      
23,463
  
Other consumer
    
6,293
      
4,886
  
Total consumer loans
    
31,015
      
28,349
  
 
                
Total loans
    
492,612
      
430,586
  
Net deferred loan fees
    
(465
)
    
(148
)
Less allowance for loan losses
    
(6,247
)
    
(5,706
)
Loans receivable, net
  
$
485,900
    
$
424,732
  

The Company originates residential mortgage, commercial and consumer loans largely to customers throughout Oswego, Onondaga and surrounding counties. Although the Company has a diversified loan portfolio, a substantial portion of its borrowers' abilities to honor their contracts is dependent upon the counties' employment and economic conditions.
 
 

As of December 31, 2016 and December 31, 2015, residential mortgage loans with a carrying value of $140.3 million and $125.8 million, respectively, have been pledged by the Company to the Federal Home Loan Bank of New York ("FHLBNY") under a blanket collateral agreement to secure the Company's line of credit and term borrowings.

Loan Origination / Risk Management

The Company has lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk.  Management and the board of directors reviews and approves these policies and procedures on a regular basis.  A reporting system supplements the review process by frequently providing management with reports related to loan production, loan quality, loan delinquencies, nonperforming and potential problem loans.  Diversification in the loan portfolio is a means of managing risk associated with fluctuations in economic conditions.

Risk Characteristics of Portfolio Segments

Each portfolio segment generally carries its own unique risk characteristics.

The residential mortgage loan segment is impacted by general economic conditions, unemployment rates in the Bank's service area, real estate values and the forward expectation of improvement or deterioration in economic conditions.

The commercial loan segment is impacted by general economic conditions but, more specifically, the industry segment in which each borrower participates.  Unique competitive changes within a borrower's specific industry, or geographic location could cause significant changes in the borrower's revenue stream, and therefore, impact its ability to repay its obligations.  Commercial real estate is also subject to general economic conditions but changes within this segment typically lag changes seen within the consumer and commercial segment.  Included within this portfolio are both owner occupied real estate, in which the borrower occupies the majority of the real estate property and upon which the majority of the sources of repayment of the obligation is dependent upon, and non-owner occupied real estate, in which several tenants comprise the repayment source for this portfolio segment.  The composition and competitive position of the tenant structure may cause adverse changes in the repayment of debt obligations for the non-owner occupied class within this segment.

The consumer loan segment is impacted by general economic conditions, unemployment rates in the Company's service area, and the forward expectation of improvement or deterioration in economic conditions.

Real estate loans, including residential mortgages, commercial real estate loans and home equity, comprise 78% of the portfolio in 2016, substantially identical to the composition in 2015, where such loans represented 81% of total loans.  Loans secured by real estate generally provide strong collateral protection and thus significantly reduce the inherent credit risk in the portfolio.

Management has reviewed its loan portfolio and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages.  The Company is not in the practice of originating these types of loans.

Description of Credit Quality Indicators

The Company utilizes an eight tier risk rating system to evaluate the quality of its loan portfolio.  Loans that are risk rated "1" through "4" are considered "Pass" loans.  In accordance with regulatory guidelines, loans rated "5" through "8" are termed "criticized" loans and loans rated "6" through "8" are termed "classified" loans.  A description of the Company's credit quality indicators follows.
 
 

For Commercial Loans:

1.
Prime:  A loan that is fully secured by properly margined Pathfinder Bank deposit account(s) or an obligation of the US Government.  It may also be unsecured if it is supported by a very strong financial condition and, in the case of a commercial loan, excellent management.  There exists an unquestioned ability to repay the loan in accordance with its terms.

2.
Strong:  Desirable relationship of somewhat less stature than Prime grade.  Possesses a sound documented repayment source, and back up, which will allow repayment within the terms of the loan.  Individual loans backed by solid assets, character and integrity.  Ability of individual or company management is good and well established.  Probability of serious financial deterioration is unlikely.

3.
Satisfactory:  Stable financial condition with cash flow sufficient for debt service coverage.  Satisfactory loans of average strength having some deficiency or vulnerability to changing economic or industry conditions but performing as agreed with documented evidence of repayment capacity.  May be unsecured loans to borrowers with satisfactory credit and financial strength.  Satisfactory provisions for management succession and a secondary source of repayment exists.

4.
Satisfactory Watch:  A four is not a criticized or classified credit. These credits do not display the characteristics of a criticized asset as defined by the regulatory definitions. A credit is given a Satisfactory Watch designation if there are matters or trends observed deserving attention somewhat beyond normal monitoring.  Borrowing obligations may be handled according to agreement but could be adversely impacted by developing factors such as industry conditions, operating problems, litigation pending of a significant nature or declining collateral quality and adequacy.                                     

5.
Special Mention:  A warning risk grade that portrays one or more weaknesses that may be tolerated in the short term.  Assets in this category are currently protected but are potentially weak.  This loan would not normally be booked as a new credit, but may have redeeming characteristics persuading the Bank to continue working with the borrower.  Loans accorded this classification have potential weaknesses which may, if not checked or corrected, weaken the company's assets, inadequately protect the Bank's position or effect the orderly, scheduled reduction of the debt at some future time.

6.
Substandard:  The relationship is inadequately protected by the current net worth and cash flow capacity of the borrower, guarantor/endorser, or of the collateral pledged.  Assets have a well-defined weakness or weaknesses that jeopardize the orderly liquidation of the debt.  The relationship shows deteriorating trends or other deficient areas.  The loan may be nonperforming and expected to remain so for the foreseeable future.  Relationship balances may be adequately secured by asset value; however a deteriorated financial condition may necessitate collateral liquidation to effect repayment.  This would also include any relationship with an unacceptable financial condition requiring excessive attention of the officer due to the nature of the credit risk or lack of borrower cooperation.

7.
Doubtful:  The relationship has all the weaknesses inherent in a credit graded 5 with the added characteristic that the weaknesses make collection on the basis of currently existing facts, conditions and value, highly questionable or improbable.  The possibility of some loss is extremely high, however its classification as an anticipated loss is deferred until a more exact determination of the extent of loss is determined.  Loans in this category must be on nonaccrual.

8.
Loss:  Loans are considered uncollectible and of such little value that continuance as bankable assets is not warranted.  It is not practicable or desirable to defer writing off this basically worthless asset even though partial recovery may be possible in the future.
 
 
 
For Residential Mortgage and Consumer Loans:

Residential mortgage and consumer loans are assigned a "Pass" rating unless the loan has demonstrated signs of weakness as indicated by the ratings below.

5.
Special Mention: All loans sixty days past due are classified Special Mention. The loan is not upgraded until it has been current for six consecutive months.

6.
Substandard: All loans 90 days past due are classified Substandard. The loan is not upgraded until it has been current for six consecutive months.

7.
Doubtful:  The relationship has all the weaknesses inherent in a credit graded 5 with the added characteristic that the weaknesses make collection on the basis of currently existing facts, conditions and value, highly questionable or improbable.  The possibility of some loss is extremely high.

The risk ratings for classified loans are evaluated at least quarterly for commercial loans or when credit deficiencies arise, such as delinquent loan payments, for commercial, residential mortgage or consumer loans.  See further discussion of risk ratings in Note 1.

The following table presents the segments and classes of the loan portfolio summarized by the aggregate pass rating and the criticized and classified ratings of special mention, substandard and doubtful within the Company's internal risk rating system:

 
  
As of December 31, 2016
  
         
Special
                    
(In thousands)
  
Pass
    
Mention
    
Substandard
    
Doubtful
    
Total
  
Residential mortgage loans:
                              
1-4 family first-lien residential mortgages
  
$
194,377
    
$
1,445
    
$
2,115
    
$
1,063
    
$
199,000
  
Construction
    
8,505
      
-
      
-
      
-
      
8,505
  
Total residential mortgage loans
    
202,882
      
1,445
      
2,115
      
1,063
      
207,505
  
Commercial loans:
                                        
Real estate
    
143,126
      
3,714
      
3,858
      
-
      
150,698
  
Lines of credit
    
22,141
      
684
      
400
      
-
      
23,225
  
Other commercial and industrial
    
66,279
      
661
      
702
      
4
      
67,646
  
Tax exempt loans
    
12,523
      
-
      
-
      
-
      
12,523
  
Total commercial loans
    
244,069
      
5,059
      
4,960
      
4
      
254,092
  
Consumer loans:
                                        
Home equity and junior liens
    
23,963
      
170
      
389
      
200
      
24,722
  
Other consumer
    
6,224
      
17
      
8
      
44
      
6,293
  
Total consumer loans
    
30,187
      
187
      
397
      
244
      
31,015
  
Total loans
  
$
477,138
    
$
6,691
    
$
7,472
    
$
1,311
    
$
492,612
  

                               
                               
 
  
As of December 31, 2015
  
         
Special
                    
(In thousands)
  
Pass
    
Mention
    
Substandard
    
Doubtful
    
Total
  
Residential mortgage loans:
                              
1-4 family first-lien residential mortgages
  
$
177,244
    
$
1,375
    
$
2,425
    
$
748
    
$
181,792
  
Construction
    
7,924
      
-
      
-
      
-
      
7,924
  
Total residential mortgage loans
    
185,168
      
1,375
      
2,425
      
748
      
189,716
  
Commercial loans:
                                        
Real estate
    
121,283
      
4,345
      
3,878
      
-
      
129,506
  
Lines of credit
    
17,358
      
1,469
      
208
      
-
      
19,035
  
Other commercial and industrial
    
53,540
      
848
      
504
      
7
      
54,899
  
Tax exempt loans
    
9,081
      
-
      
-
      
-
      
9,081
  
Total commercial loans
    
201,262
      
6,662
      
4,590
      
7
      
212,521
  
Consumer loans:
                                        
Home equity and junior liens
    
22,780
      
182
      
287
      
214
      
23,463
  
Other consumer
    
4,840
      
31
      
15
      
-
      
4,886
  
Total consumer loans
    
27,620
      
213
      
302
      
214
      
28,349
  
Total loans
  
$
414,050
    
$
8,250
    
$
7,317
    
$
969
    
$
430,586
  

Nonaccrual and Past Due Loans

Loans are considered past due if the required principal and interest payments have not been received within thirty days of the payment due date.

An age analysis of past due loans, exclusive of deferred costs, segregated by class of loans were as follows:
 
 
  
As of December 31, 2016
  
   
30-59 Days
    
60-89 Days
    
90 Days
                    
   
Past Due
    
Past Due
    
and Over
    
Total
          
Total Loans
  
(In thousands)
  
And Accruing
    
And Accruing
          
Past Due
    
Current
    
Receivable
  
Residential mortgage loans:
                                    
1-4 family first-lien residential mortgages
  
$
1,247
    
$
832
    
$
2,560
    
$
4,639
    
$
194,361
    
$
199,000
  
Construction
    
-
      
-
      
-
      
-
      
8,505
      
8,505
  
Total residential mortgage loans
    
1,247
      
832
      
2,560
      
4,639
      
202,866
      
207,505
  
Commercial loans:
                                                
Real estate
    
1,063
      
375
      
1,223
      
2,661
      
148,037
      
150,698
  
Lines of credit
    
819
      
-
      
-
      
819
      
22,406
      
23,225
  
Other commercial and industrial
    
333
      
-
      
640
      
973
      
66,673
      
67,646
  
Tax exempt loans
    
-
      
-
      
-
      
-
      
12,523
      
12,523
  
Total commercial loans
    
2,215
      
375
      
1,863
      
4,453
      
249,639
      
254,092
  
Consumer loans:
                                                
Home equity and junior liens
    
105
      
157
      
338
      
600
      
24,122
      
24,722
  
Other consumer
    
8
      
13
      
50
      
71
      
6,222
      
6,293
  
Total consumer loans
    
113
      
170
      
388
      
671
      
30,344
      
31,015
  
Total loans
  
$
3,575
    
$
1,377
    
$
4,811
    
$
9,763
    
$
482,849
    
$
492,612
  
 
 
 
 
 
  
As of December 31, 2015
  
   
30-59 Days
    
60-89 Days
    
90 Days
                    
   
Past Due
    
Past Due
    
and Over
    
Total
          
Total Loans
  
(In thousands)
  
And Accruing
    
And Accruing
          
Past Due
    
Current
    
Receivable
  
Residential mortgage loans:
                                    
1-4 family first-lien residential mortgages
  
$
1,115
    
$
808
    
$
1,715
    
$
3,638
    
$
178,154
    
$
181,792
  
Construction
    
-
      
-
      
-
      
-
      
7,924
      
7,924
  
Total residential mortgage loans
    
1,115
      
808
      
1,715
      
3,638
      
186,078
      
189,716
  
Commercial loans:
                                                
Real estate
    
940
      
135
      
2,694
      
3,769
      
125,737
      
129,506
  
Lines of credit
    
20
      
-
      
174
      
194
      
18,841
      
19,035
  
Other commercial and industrial
    
159
      
216
      
370
      
745
      
54,154
      
54,899
  
Tax exempt loans
    
-
      
-
      
-
      
-
      
9,081
      
9,081
  
Total commercial loans
    
1,119
      
351
      
3,238
      
4,708
      
207,813
      
212,521
  
Consumer loans:
                                                
Home equity and junior liens
    
132
      
-
      
360
      
492
      
22,971
      
23,463
  
Other consumer
    
14
      
15
      
5
      
34
      
4,852
      
4,886
  
Total consumer loans
    
146
      
15
      
365
      
526
      
27,823
      
28,349
  
Total loans
  
$
2,380
    
$
1,174
    
$
5,318
    
$
8,872
    
$
421,714
    
$
430,586
  
 
Year-end nonaccrual loans, segregated by class of loan, were as follows:

   
December 31,
    
December 31,
  
(In thousands)
  
2016
    
2015
  
Residential mortgage loans:
            
1-4 family first-lien residential mortgages
  
$
2,560
    
$
1,715
  
 
    
2,560
      
1,715
  
Commercial loans:
                
Real estate
    
1,223
      
2,694
  
Lines of credit
    
-
      
174
  
Other commercial and industrial
    
640
      
370
  
 
    
1,863
      
3,238
  
Consumer loans:
                
Home equity and junior liens
    
338
      
360
  
Other consumer
    
50
      
5
  
 
    
388
      
365
  
Total nonaccrual loans
  
$
4,811
    
$
5,318
  

There were no loans past due ninety days or more and still accruing interest at December 31, 2016 or 2015.

The Company is required to disclose certain activities related to Troubled Debt Restructurings ("TDR") in accordance with accounting guidance. Certain loans have been modified in a TDR where economic concessions have been granted to a borrower who is experiencing, or expected to experience, financial difficulties. These economic concessions could include a reduction in the loan interest rate, extension of payment terms, reduction of principal amortization, or other actions that it would not otherwise consider for a new loan with similar risk characteristics.

The Company is required to disclose new TDRs for each reporting period for which an income statement is being presented.  Pre-modification outstanding recorded investment is the principal loan balance less the provision for loan losses before the loan was modified as a TDR.  Post-modification outstanding recorded investment is the principal balance less the provision for loan losses after the loan was modified as a TDR.  Additional provision for loan losses is the change in the allowance for loan losses between the pre-modification outstanding recorded investment and post-modification outstanding recorded investment.
 
 

   
For the year ended December 31, 2016
  
(In thousands)
  
Number of loans
    
Pre-modification outstanding recorded investment
    
Post-modification outstanding recorded investment
    
Additional provision for loan losses
  
Individually evaluated for impairment:
                        
Residential mortgage loans
    
3
    
$
127
    
$
135
    
$
29
  
Commercial real estate loans
    
1
      
2,088
      
2,088
      
-
  


The TDRs individually evaluated for impairment have been classified as TDRs due to economic concessions granted, which consisted of additional funds advanced without associated increases in collateral, interest rate reduction, extended term and/or extended interest only payment terms.  The Company was required to increase the specific reserves against the loans individually reviewed for impairment by $29,000, which was a component of the provision for loan losses in the fourth quarter of 2016.  The Company changed the criteria for evaluating impairment on TDRs as of December 31, 2016 to include all TDRs, regardless of the size of the loan, to be individually evaluated for impairment.  The Company previously established thresholds of $100,000 for residential and consumer loans and $300,000 for commercial real estate loans, commercial lines and loans and tax exempt loans for reviewing TDRs individually for impairment.  TDRs below these threshold amounts were collectively evaluated for impairment as of December 31, 2015.

   
For the year ended December 31, 2015
  
(In thousands)
  
Number of loans
    
Pre-modification outstanding recorded investment
    
Post-modification outstanding recorded investment
    
Additional provision for loan losses
  
Individually evaluated for impairment:
                        
Commercial real estate loans
    
1
    
$
678
    
$
324
    
$
354
  
                                 
Collectively evaluated for impairment:
                                
Residential mortgage loans
    
2
    
$
69
    
$
79
    
$
-
  


The TDR individually evaluated for impairment has been classified as a TDR due to the economic concessions granted, which included extended payment terms without an associated increase in collateral.  The Company was required to increase the specific reserve against this loan by an additional $354,000, which was a component of the provision for loan losses in the second quarter of 2015.  The TDRs collectively evaluated for impairment were included in the general loan loss allocation and qualitative review and the impact on the allowance for loan losses was immaterial.

The Company is required to disclose loans that have been modified as TDRs within the previous 12 months in which there was payment default after the restructuring.  The Company defines payment default as any loans 90 days past due on contractual payments.

The Company had no loans that had been modified as TDRs during the twelve months prior to December 31, 2016, which had subsequently defaulted during the year ended December 31, 2016.

The Company had no loans that had been modified as TDRs during the twelve months prior to December 31, 2015, which had subsequently defaulted during the year ended December 31, 2015.

When the Company modifies a loan within a portfolio segment that is individually evaluated for impairment, a potential impairment is analyzed either based on the present value of the expected future cash flows discounted at the interest rate of the original loan terms or the fair value of the collateral less costs to sell. If it is determined that the value of the loan is less than its recorded investment, then impairment is recognized as a component of the provision for loan losses, an associated increase to the allowance for loan losses or as a charge-off to the allowance for loan losses in the current period.
 
 

Impaired Loans

The following table summarizes impaired loans information by portfolio class:

   
December 31, 2016
    
December 31, 2015
  
         
Unpaid
                
Unpaid
        
   
Recorded
    
Principal
    
Related
    
Recorded
    
Principal
    
Related
  
(In thousands)
  
Investment
    
Balance
    
Allowance
    
Investment
    
Balance
    
Allowance
  
With no related allowance recorded:
                                    
1-4 family first-lien residential mortgages
  
$
850
    
$
857
    
$
-
    
$
473
    
$
473
    
$
-
  
Commercial real estate
    
4,254
      
4,344
      
-
      
2,580
      
2,709
      
-
  
Commercial lines of credit
    
400
      
400
      
-
      
574
      
597
      
-
  
Other commercial and industrial
    
470
      
470
      
-
      
536
      
569
      
-
  
Home equity and junior liens
    
140
      
140
      
-
      
187
      
187
      
-
  
Other consumer
    
-
      
-
      
-
      
5
      
6
      
-
  
With an allowance recorded:
                                                
1-4 family first-lien residential mortgages
    
763
      
763
      
117
      
-
      
-
      
-
  
Commercial real estate
    
818
      
872
      
455
      
1,850
      
1,963
      
760
  
Commercial lines of credit
    
-
      
-
      
-
      
5
      
5
      
5
  
Other commercial and industrial
    
552
      
552
      
553
      
224
      
230
      
193
  
Home equity and junior liens
    
345
      
345
      
5
      
101
      
101
      
2
  
Total:
                                                
1-4 family first-lien residential mortgages
    
1,613
      
1,620
      
117
      
473
      
473
      
-
  
Commercial real estate
    
5,072
      
5,216
      
455
      
4,430
      
4,672
      
760
  
Commercial lines of credit
    
400
      
400
      
-
      
579
      
602
      
5
  
Other commercial and industrial
    
1,022
      
1,022
      
553
      
760
      
799
      
193
  
Home equity and junior liens
    
485
      
485
      
5
      
288
      
288
      
2
  
Other consumer
    
-
      
-
      
-
      
5
      
6
      
-
  
Totals
  
$
8,592
    
$
8,743
    
$
1,130
    
$
6,535
    
$
6,840
    
$
960
  

The following table presents the average recorded investment in impaired loans for the years ended December 31:

(In thousands)
  
2016
    
2015
  
1-4 family first-lien residential mortgages
  
$
777
    
$
671
  
Commercial real estate
    
4,325
      
4,742
  
Commercial lines of credit
    
479
      
520
  
Other commercial and industrial
    
724
      
803
  
Home equity and junior liens
    
325
      
305
  
Other consumer
    
2
      
7
  
Total
  
$
6,632
    
$
7,048
  

The following table presents the cash basis interest income recognized on impaired loans for the years ended December 31:

(In thousands)
  
2016
    
2015
  
1-4 family first-lien residential mortgages
  
$
64
    
$
17
  
Commercial real estate
    
161
      
92
  
Commercial lines of credit
    
-
      
-
  
Other commercial and industrial
    
66
      
29
  
Home equity and junior liens
    
13
      
-
  
Other consumer
    
-
      
-
  
Total
  
$
304
    
$
138
  
 
 
NOTE 6: ALLOWANCE FOR LOAN LOSSES

Changes in the allowance for loan losses for the years ended December 31, 2016 and 2015 and information pertaining to the allocation of the allowance for loan losses and balances of the allowance for loan losses and loans receivable based on individual and collective impairment evaluation by loan portfolio class at the indicated dates are summarized in the tables below.  An allocation of a portion of the allowance to a given portfolio class does not limit the Company's ability to absorb losses in another portfolio class.

 
  
December 31, 2016
  
   
1-4 family
                          
   
first-lien
                      
Other
  
   
residential
          
Commercial
    
Commercial
    
commercial
  
(In thousands)
  
mortgage
    
Construction
    
real estate
    
lines of credit
    
and industrial
  
Allowance for loan losses:
                              
Beginning Balance
  
$
581
    
$
-
    
$
2,983
    
$
401
    
$
1,270
  
   Charge-offs
    
(242
)
    
-
      
-
      
(69
)
    
-
  
   Recoveries
    
13
      
-
      
6
      
11
      
14
  
   Provisions (credits)
    
407
      
-
      
(54
)
    
54
      
374
  
Ending balance
  
$
759
    
$
-
    
$
2,935
    
$
397
    
$
1,658
  
Ending balance: related to loans
                                        
individually evaluated for impairment
  
$
117
    
$
-
    
$
455
    
$
-
    
$
553
  
Ending balance: related to loans
                                        
collectively evaluated for impairment
  
$
642
    
$
-
    
$
2,480
    
$
397
    
$
1,105
  
                                         
Loans receivables:
                                        
Ending balance
  
$
199,000
    
$
8,505
    
$
150,698
    
$
23,225
    
$
67,646
  
Ending balance: individually
                                        
evaluated for impairment
  
$
1,613
    
$
-
    
$
5,072
    
$
400
    
$
1,022
  
Ending balance: collectively
                                        
evaluated for impairment
  
$
197,387
    
$
8,505
    
$
145,626
    
$
22,825
    
$
66,624
  
                                         
                                         
           
Home equity
    
Other
                  
 
  
Tax exempt
    
and junior liens
    
consumer
    
Unallocated
    
Total
  
Allowance for loan losses:
                                        
Beginning Balance
  
$
3
    
$
350
    
$
118
    
$
-
    
$
5,706
  
   Charge-offs
    
-
      
(147
)
    
(61
)
    
-
      
(519
)
   Recoveries
    
-
      
10
      
53
      
-
      
107
  
   Provisions (credits)
    
(2
)
    
118
      
56
      
-
      
953
  
Ending balance
  
$
1
    
$
331
    
$
166
    
$
-
    
$
6,247
  
Ending balance: related to loans
                                        
individually evaluated for impairment
  
$
-
    
$
5
    
$
-
    
$
-
    
$
1,130
  
Ending balance: related to loans
                                        
collectively evaluated for impairment
  
$
1
    
$
326
    
$
166
    
$
-
    
$
5,117
  
                                         
Loans receivables:
                                        
Ending balance
  
$
12,523
    
$
24,722
    
$
6,293
            
$
492,612
  
Ending balance: individually
                                        
evaluated for impairment
  
$
-
    
$
485
    
$
-
            
$
8,592
  
Ending balance: collectively
                                        
evaluated for impairment
  
$
12,523
    
$
24,237
    
$
6,293
            
$
484,020
  




 
  
December 31, 2015
  
   
1-4 family
                          
   
first-lien
                      
Other
  
   
residential
          
Commercial
    
Commercial
    
commercial
  
(In thousands)
  
mortgage
    
Construction
    
real estate
    
lines of credit
    
and industrial
  
Allowance for loan losses:
                              
Beginning Balance
  
$
509
    
$
-
    
$
2,801
    
$
460
    
$
1,034
  
   Charge-offs
    
(234
)
    
-
      
(308
)
    
(206
)
    
(272
)
   Recoveries
    
40
      
-
      
-
      
38
      
10
  
   Provisions
    
266
      
-
      
490
      
109
      
498
  
Ending balance
  
$
581
    
$
-
    
$
2,983
    
$
401
    
$
1,270
  
Ending balance: related to loans
                                        
individually evaluated for impairment
  
$
-
    
$
-
    
$
760
    
$
5
    
$
193
  
Ending balance: related to loans
                                        
collectively evaluated for impairment
  
$
581
    
$
-
    
$
2,223
    
$
396
    
$
1,077
  
                                         
Loans receivables:
                                        
Ending balance
  
$
181,792
    
$
7,924
    
$
129,506
    
$
19,035
    
$
54,899
  
Ending balance: individually
                                        
evaluated for impairment
  
$
473
    
$
-
    
$
4,430
    
$
579
    
$
760
  
Ending balance: collectively
                                        
evaluated for impairment
  
$
181,319
    
$
7,924
    
$
125,076
    
$
18,456
    
$
54,139
  
                                         
           
Home equity
    
Other
                  
 
  
Tax exempt
    
and junior liens
    
consumer
    
Unallocated
    
Total
  
Allowance for loan losses:
                                        
Beginning Balance
  
$
3
    
$
388
    
$
98
    
$
56
    
$
5,349
  
   Charge-offs
    
-
      
(26
)
    
(103
)
    
-
      
(1,149
)
   Recoveries
    
-
      
10
      
59
      
-
      
157
  
   Provisions (credits)
    
-
      
(22
)
    
64
      
(56
)
    
1,349
  
Ending balance
  
$
3
    
$
350
    
$
118
    
$
-
    
$
5,706
  
Ending balance: related to loans
                                        
individually evaluated for impairment
  
$
-
    
$
2
    
$
-
    
$
-
    
$
960
  
Ending balance: related to loans
                                        
collectively evaluated for impairment
  
$
3
    
$
348
    
$
118
    
$
-
    
$
4,746
  
                                         
Loans receivables:
                                        
Ending balance
  
$
9,081
    
$
23,463
    
$
4,886
            
$
430,586
  
Ending balance: individually
                                        
evaluated for impairment
  
$
-
    
$
288
    
$
5
            
$
6,535
  
Ending balance: collectively
                                        
evaluated for impairment
  
$
9,081
    
$
23,175
    
$
4,881
            
$
424,051
  

The Company's methodology for determining its allowance for loan losses includes an analysis of qualitative factors that are added to the historical loss rates in arriving at the total allowance for loan losses needed for this general pool of loans.  The qualitative factors include:
Changes in national and local economic trends;
The rate of growth in the portfolio;
Trends of delinquencies and nonaccrual balances;
Changes in loan policy; and
Changes in lending management experience and related staffing.
Each factor is assigned a value to reflect improving, stable or declining conditions based on management's best judgment using relevant information available at the time of the evaluation.  These qualitative factors, applied to each product class, make the evaluation inherently subjective, as it requires material estimates that may be susceptible to significant revision as more information becomes available.  Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for loan losses analysis and calculation.
 
 

The allocation of the allowance for loan losses summarized on the basis of the Company's calculation methodology was as follows:

                                               December 31, 2016
  
 
  
1-4 family
                          
   
first-lien
                      
Other
  
   
residential
          
Commercial
    
Commercial
    
commercial
  
(In thousands)
  
mortgage
    
Construction
    
real estate
    
lines of credit
    
and industrial
  
Specifically reserved
  
$
117
    
$
-
    
$
455
    
$
-
    
$
553
  
Historical loss rate
    
106
      
-
      
45
      
31
      
50
  
Qualitative factors
    
536
      
-
      
2,435
      
366
      
1,055
  
   Total
  
$
759
    
$
-
    
$
2,935
    
$
397
    
$
1,658
  
                                         
           
Home equity
    
Other
                  
(In thousands)
  
Tax exempt
    
and junior liens
    
consumer
    
Unallocated
    
Total
  
Specifically reserved
  
$
-
    
$
5
    
$
-
    
$
-
    
$
1,130
  
Historical loss rate
    
-
      
35
      
16
      
-
      
283
  
Qualitative factors
    
1
      
291
      
150
      
-
      
4,834
  
   Total
  
$
1
    
$
331
    
$
166
    
$
-
    
$
6,247
  
                                         
                                                  December 31, 2015
  
 
  
1-4 family
                                  
   
first-lien
                            
Other
  
   
residential
            
Commercial
    
Commercial
    
commercial
  
(In thousands)
  
mortgage
    
Construction
    
real estate
    
lines of credit
    
and industrial
  
Specifically reserved
  
$
-
    
$
-
    
$
760
    
$
5
    
$
193
  
Historical loss rate
    
70
      
-
      
97
      
49
      
54
  
Qualitative factors
    
511
      
-
      
2,126
      
347
      
1,023
  
   Total
  
$
581
    
$
-
    
$
2,983
    
$
401
    
$
1,270
  
                                         
           
Home equity
    
Other
                  
(In thousands)
  
Tax exempt
    
and junior liens
    
consumer
    
Unallocated
    
Total
  
Specifically reserved
  
$
-
    
$
2
    
$
-
    
$
-
    
$
960
  
Historical loss rate
    
-
      
26
      
25
      
-
      
321
  
Qualitative factors
    
3
      
322
      
93
      
-
      
4,425
  
   Total
  
$
3
    
$
350
    
$
118
    
$
-
    
$
5,706
  



NOTE 7: SERVICING

Loans serviced for others are not included in the accompanying consolidated statements of condition.  At December 31, 2016 and 2015, the Bank serviced 268 and 317 residential mortgage loans for others, respectively. The unpaid principal balances of mortgage loans serviced for others were $17.0 million and $20.9 million at December 31, 2016 and 2015, respectively.  The balance of capitalized servicing rights included in other assets at December 31, 2016 and 2015, was $40,000 and $52,000, respectively.

The following summarizes mortgage servicing rights capitalized and amortized:

(In thousands)
  
2016
    
2015
  
Mortgage servicing rights capitalized
  
$
-
    
$
-
  
Mortgage servicing rights amortized
  
$
12
    
$
14
  

NOTE 8: PREMISES AND EQUIPMENT

A summary of premises and equipment at December 31, is as follows:

(In thousands)
  
2016
    
2015
  
Land
  
$
2,205
    
$
2,176
  
Buildings
    
13,704
      
12,111
  
Furniture, fixtures and equipment
    
12,948
      
11,194
  
Construction in progress
    
455
      
2,502
  
     
29,312
      
27,983
  
Less: Accumulated depreciation
    
14,135
      
13,149
  
 
  
$
15,177
    
$
14,834
  

NOTE 9:  FORECLOSED REAL ESTATE

The Company is required to disclose the carrying amount of foreclosed residential real estate properties held as a result of obtaining physical possession of the property at each reporting period.

         
December 31,
        
December 31,
  
(Dollars in thousands)
  
Number of properties
    
2016
    
Number of properties
    
2015
  
Foreclosed residential real estate
    
7
    
$
393
      
2
    
$
182
  

At December 31, 2016, the Company reported $659,000 in residential real estate loans in the process of foreclosure.

NOTE 10: GOODWILL AND INTANGIBLE ASSETS

Goodwill represents the excess cost of an acquisition over the fair value of the net assets acquired. Goodwill is not amortized, but is evaluated annually for impairment or between annual evaluations in certain circumstances. Management performs an annual assessment of the Company's goodwill to determine whether or not any impairment of the carrying value may exist.

Of the $4.5 million of goodwill carried on the Company's books as of December 31, 2016, $3.8 million of this amount was due to prior periods acquisitions of bank branches and $696,000 was due to the 2013 acquisition of the FitzGibbons Agency by Pathfinder Risk Management Company, Inc. and the 2015 acquisition of the Huntington Agency in suburban Syracuse.
 
 

The Company is permitted to assess qualitative factors to determine if it is more likely than not that the fair value of the reporting unit is less than the carrying value.  Based on the results of the assessment, management has determined that the carrying value of goodwill in the amount of $4.5 million is not impaired as of December 31, 2016.

The identifiable intangible asset of $198,000 as of December 31, 2016 was due to the acquisition of the FitzGibbons and Huntington Agencies and represents the amortized carrying amount of the customer lists intangible. The weighted average amortization period of this intangible asset is 7.0 years.

The gross carrying amount and annual amortization for this identifiable intangible asset are as follows:

   
December 31,
  
(In thousands)
  
2016
    
2015
  
             
Gross carrying amount
  
$
214
    
$
175
  
Addition due to Huntington Agency purchase
    
-
      
55
  
Amortization recognized in the year
    
(16
)
    
(16
)
Net amortizing intangibles
  
$
198
    
$
214
  

The estimated amortization expense for each of the five succeeding years ended December 31, is as follows:

(In thousands)
      
2017
  
$
16
  
2018
    
16
  
2019
    
16
  
2020
    
16
  
2021
    
16
  
Thereafter
    
118
  
 
  
$
198
  

NOTE 11: DEPOSITS

A summary of deposits at December 31 is as follows:

(In thousands)
  
2016
    
2015
  
Savings accounts
  
$
80,139
    
$
73,540
  
Time accounts
    
132,007
      
111,250
  
Time accounts of $250,000 or more
    
57,349
      
35,213
  
Money management accounts
    
14,718
      
14,081
  
MMDA accounts
    
192,692
      
146,862
  
Demand deposit interest-bearing
    
53,587
      
42,758
  
Demand deposit noninterest-bearing
    
75,282
      
61,679
  
Mortgage escrow funds
    
5,209
      
4,932
  
Total Deposits
  
$
610,983
    
$
490,315
  


At December 31, 2016, the scheduled maturities of time deposits are as follows:

(In thousands)
      
Year of Maturity:
      
2017
  
$
119,945
  
2018
    
38,693
  
2019
    
8,774
  
2020
    
14,313
  
2021
    
4,770
  
Thereafter
    
2,861
  
Total
  
$
189,356
  

In addition to deposits obtained from its business operations within its target market areas, the Bank also obtains brokered deposits through various programs administered by Promontory Interfinancial Network.

   
At December 31,
  
   
2016
    
2015
  
(In thousands)
  
Non-Brokered
    
Brokered
    
Total
    
Non-Brokered
    
Brokered
    
Total
  
Savings accounts
  
$
80,139
    
$
-
    
$
80,139
    
$
73,540
    
$
-
    
$
73,540
  
Time accounts
    
89,200
      
42,807
      
132,007
      
78,234
      
33,016
      
111,250
  
Time accounts of $250,000 or more
    
57,349
      
-
      
57,349
      
35,213
      
-
      
35,213
  
Money management accounts
    
14,718
      
-
      
14,718
      
14,081
      
-
      
14,081
  
MMDA accounts
    
105,755
      
86,937
      
192,692
      
99,187
      
47,675
      
146,862
  
Demand deposit interest-bearing
    
53,587
      
-
      
53,587
      
42,758
      
-
      
42,758
  
Demand deposit noninterest-bearing
    
75,282
      
-
      
75,282
      
61,679
      
-
      
61,679
  
Mortgage escrow funds
    
5,209
      
-
      
5,209
      
4,932
      
-
      
4,932
  
Total Deposits
  
$
481,239
    
$
129,744
    
$
610,983
    
$
409,624
    
$
80,691
    
$
490,315
  

NOTE 12: BORROWED FUNDS

The composition of borrowings (excluding subordinated loans) at December 31 is as follows:

(In thousands)
  
2016
    
2015
  
Short-term:
            
FHLB Advances
  
$
42,000
    
$
24,800
  
Deferred fees hedging
    
(53
)
    
-
  
Total short-term borrowings
  
$
41,947
    
$
24,800
  
Long-term:
                
FHLB advances
  
$
17,000
    
$
16,500
  
Total long-term borrowings
  
$
17,000
    
$
16,500
  




The principal balances, interest rates and maturities of the remaining borrowings, all of which are at a fixed rate, at December 31, 2016 are as follows:

Term
  
Principal
    
Rates
  
(Dollars in thousands)
            
Advances with FHLB
            
due within 1 year
  
$
7,000
      
0.78-2.56
%
due within 2 years
    
2,000
      
1.04
%
due within 10 years
    
8,000
      
1.16-2.55
%
Total advances with FHLB
  
$
17,000
          
Total long-term fixed rate borrowings
  
$
17,000
          

At December 31, 2016, scheduled repayments of long-term debt are as follows:

(In thousands)
      
2017
  
$
7,000
  
2018
    
2,000
  
2019
    
5,000
  
2020
    
1,000
  
2021
    
-
  
Thereafter
    
2,000
  
   
$
17,000
  

The Company has access to Federal Home Loan Bank advances, under which it can borrow at various terms and interest rates.  Residential mortgage loans with a carrying value of $140.3 million and FHLB stock with a carrying value of $3.3 million have been pledged by the Company under a blanket collateral agreement to secure the Company's borrowings at December 31, 2016.  The total outstanding indebtedness under borrowing facilities with the FHLB cannot exceed the total value of the assets pledged under the blanket collateral agreement.  The Company has a $12.9 million line of credit available at December 31, 2016 with the Federal Reserve Bank of New York through its Discount Window and has pledged various corporate and municipal securities against the line. The Company has $14.4 million in lines of credit available with three other correspondent banks. $9.4 million of that line of credit is available on an unsecured basis and the remaining $5.0 million must be collateralized with marketable investment securities. Interest on the lines is determined at the time of borrowing.

NOTE 13: SUBORDINATED LOANS

The Company has a non-consolidated subsidiary trust, Pathfinder Statutory Trust II, of which the Company owns 100% of the common equity.  The Trust issued $5,000,000 of 30-year floating rate Company-obligated pooled capital securities of Pathfinder Statutory Trust II ("Floating-Rate Debentures").  The Company borrowed the proceeds of the capital securities from its subsidiary by issuing floating rate junior subordinated deferrable interest debentures having substantially similar terms.  The capital securities mature in 2037 and are treated as Tier 1 capital by the Federal Deposit Insurance Corporation and the Federal Reserve Board ("FRB").  The capital securities of the trust are a pooled trust preferred fund of Preferred Term Securities VI, Ltd. and are tied to the 3-month LIBOR (1.00%) plus 1.65% for a total of 2.65% at December 31, 2016 with a five-year call provision.  The Company guarantees all of these securities.

The Company's equity interest in the trust subsidiary of  is included in other assets on the Consolidated Statements of Financial Condition at December 31, 2016 and 2015.  For regulatory reporting purposes, the Federal Reserve has indicated that the preferred securities will continue to qualify as Tier 1 Capital subject to previously specified limitations, until further notice. If regulators make a determination that Trust Preferred Securities can no longer be considered in regulatory capital, the securities become callable and the Company may redeem them.
 
 

On October 15, 2015, the Company executed the $10.0 million non-amortizing subordinated loan with an unrelated third party that is scheduled to mature on October 1, 2025. The Company has the right to prepay the subordinated loan at any time after October 15, 2020 without penalty. The terms of the subordinated loan required interest payments at an annual interest rate of 3.50% from October 15, 2015 to February 29, 2016. The annual interest rate charged the Company increased to 6.25% on March 1, 2016 through the maturity date.  The Subordinated Loan is senior in the Company's credit repayment hierarchy only to the Company's common equity and, as a result, qualifies as Tier 2 capital for all future periods when applicable.  The Company paid $172,000 in origination and legal fees as part of this transaction.  These fees will be amortized over the life of the subordinated loan through its first call date using the effective interest method.  The effective cost of funds related to this transaction is 6.44% calculated under this method.

The composition of subordinated loans at December 31 is as follows:

(In thousands)
  
2016
    
2015
  
Subordinated loans:
            
Junior subordinated debenture
  
$
5,155
    
$
5,155
  
Subordinated loan
    
9,870
      
9,836
  
Total subordinated loans
  
$
15,025
    
$
14,991
  

The principal balances, interest rates and maturities of the subordinated loans at December 31, 2016 are as follows:

Term
  
Principal
    
Rates
  
(Dollars in thousands)
            
Subordinated loans:
            
due within 10 years
  
$
9,870
      
6.48
%
due within 21 years
    
5,155
    
3-Month Libor + 1.65%
  
Total subordinated loans
  
$
15,025
          

At December 31, 2016, scheduled repayments of the subordinated loans:

(In thousands)
      
2017
  
$
-
  
2018
    
-
  
2019
    
-
  
2020
    
-
  
2021
    
-
  
Thereafter
    
15,025
  
   
$
15,025
  

NOTE 14:  EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS

The Company has a noncontributory defined benefit pension plan covering substantially all employees. The plan provides defined benefits based on years of service and final average salary. On May 14, 2012, the Company informed its employees of its decision to freeze participation and benefit accruals under the plan, primarily to reduce some of the volatility in earnings that can accompany the maintenance of a defined benefit plan.  The plan was frozen on June 30, 2012.  Compensation earned by employees up to June 30, 2012 is used for purposes of calculating benefits under the plan but there will be no future benefit accruals after this date.  Participants as of June 30, 2012 will continue to earn vesting credit with respect to their frozen accrued benefits as they continue to work. In addition, the Company provides certain health and life insurance benefits for a limited number of eligible retired employees.  The healthcare plan is contributory with participants' contributions adjusted annually; the life insurance plan is noncontributory.  Employees with less than 14 years of service as of January 1, 1995, are not eligible for the health and life insurance retirement benefits.
 
 

The following tables set forth the changes in the plans' benefit obligations, fair value of plan assets and the plans' funded status as of December 31:

   
Pension Benefits
    
Postretirement Benefits
  
(In thousands)
  
2016
    
2015
    
2016
    
2015
  
Change in benefit obligations:
                        
Benefit obligations at beginning of year
  
$
9,319
    
$
9,679
    
$
159
    
$
356
  
Service cost
    
-
      
-
      
-
      
-
  
Interest cost
    
464
      
468
      
8
      
17
  
Actuarial gain
    
(231
)
    
(586
)
    
-
      
(201
)
Benefits paid
    
(229
)
    
(242
)
    
(13
)
    
(13
)
Benefit obligations at end of year
    
9,323
      
9,319
      
154
      
159
  
Change in plan assets:
                                
Fair value of plan assets at beginning of year
    
12,808
      
13,125
      
-
      
-
  
Actual return on plan assets
    
1,055
      
(75
)
    
-
      
-
  
Benefits paid
    
(229
)
    
(242
)
    
(13
)
    
(13
)
Employer contributions
    
-
      
-
      
13
      
13
  
Fair value of plan assets at end of year
    
13,634
      
12,808
      
-
      
-
  
Funded Status - asset (liability)
  
$
4,311
    
$
3,489
    
$
(154
)
  
$
(159
)

The funded status of the pension was recorded within other assets on the statement of condition.  The unfunded status of the postretirement plan is recorded as a liability on the statement of condition.

Amounts recognized in accumulated other comprehensive loss as of December 31 are as follows:

   
Pension Benefits
    
Postretirement Benefits
  
(In thousands)
  
2016
    
2015
    
2016
    
2015
  
Net loss/(gain)
  
$
2,685
    
$
3,245
    
$
(165
)
  
$
(172
)
Tax Effect
    
1,074
      
1,298
      
(66
)
    
(69
)
 
  
$
1,611
    
$
1,947
    
$
(99
)
  
$
(103
)

Gains and losses in excess of 10% of the greater of the benefit obligation or the fair value of assets are amortized over the average remaining service period of active participants. 

The Company utilized the actual projected cash flows of the participants in both plans for the years ended December 31, 2016 and December 31, 2015.  The following points address the approach taken.

1.
An analysis of the defined benefit pension plan's expected future cash flows and high-quality fixed income investments currently available and expected to be available during the period to maturity of the pension benefits yielded a single discount rate of 5.15% at December 31, 2016.
 
 

 
2.
An analysis of the postretirement health plan's expected future cash flows and high-quality fixed-income investments currently available and expected to be available during the period to maturity of the retiree medical benefits yielded a single discount rate of 5.32% at December 31, 2016.

3.
Each discount rate was developed by matching the expected future cash flows of Pathfinder Bank to high quality bonds.  Every bond considered has earned ratings of at least AA by Fitch Group, AA by Standard & Poor's, or Aa2 by Moody's Investor Services.

The accumulated benefit obligation for the defined benefit pension plan was $9.3 million at December 31, 2016 and 2015.  The postretirement plan had an accumulated benefit obligation of $154,000 and $159,000 at December 31, 2016 and 2015, respectively.

The significant assumptions used in determining the benefit obligations as of December 31, are as follows:

   
Pension Benefits
    
Postretirement Benefits
  
 
  
2016
    
2015
    
2016
    
2015
  
Weighted average discount rate
    
5.15
%
    
5.05
%
    
5.32
%
    
5.23
%
Rate of increase in future compensation levels
    
-
      
-
      
-
      
-
  

Assumed health care cost trend rates have a significant effect on the amounts reported for the postretirement health care plan.   The annual rates of increase in the per capita cost of covered medical and prescription drug benefits for future years were assumed to be 6.25% for 2017, gradually decreasing to 5.00% in 2022 and remain at that level thereafter.

The composition of the net periodic benefit plan cost for the years ended December 31 is as follows:

   
Pension Benefits
    
Postretirement Benefits
  
(In thousands)
  
2016
    
2015
    
2016
    
2015
  
Service cost
  
$
-
    
$
-
    
$
-
    
$
-
  
Interest cost
    
464
      
468
      
8
      
17
  
Expected return on plan assets
    
(951
)
    
(975
)
    
-
      
-
  
Amortization of transition obligation
    
-
      
-
      
-
      
-
  
Amortization of net losses/(gains)
    
226
      
180
      
(3
)
    
5
  
Amortization of unrecognized past service liability
    
-
      
-
      
(5
)
    
(5
)
Net periodic benefit plan (benefit) cost
  
$
(261
)
  
$
(327
)
  
$
-
    
$
17
  

The significant assumptions used in determining the net periodic benefit plan cost for years ended December 31, were as follows:
 
   
Pension Benefits
    
Postretirement Benefits
  
 
  
2016
    
2015
    
2016
    
2015
  
Weighted average discount rate
    
5.05
%
    
4.90
%
    
5.23
%
    
4.98
%
Expected long term rate of return on plan assets
    
7.50
%
    
7.50
%
    
-
      
-
  
Rate of increase in future compensation levels
    
-
      
-
      
-
      
-
  

The long term rate of return on assets assumption was set based on historical returns earned by equities and fixed income securities, adjusted to reflect expectations of future returns as applied to the plan's target allocation of asset classes.  Equities and fixed income securities were assumed to earn real rates of return in the ranges of 6.0%-8.0% and 3.0%-5.0%, respectively.  The long-term inflation rate was estimated to be 2.5%.  When these overall return expectations are applied to the plan's target allocation, the expected rate of return was determined to be in the range of 5.0% to 7.0%.  Management chose to use a 7.5% expected long-term rate of return in 2016 and a 7.0% expected long-term rate of return in 2017 reflecting current economic conditions and expected rates of return.  Based on the $13.6 million fair value of plan assets at December 31, 2016, each 50 basis point decrease in the expected long-term rate of return would reduce after tax net income by approximately $42,000.
 

 
The estimated net actuarial loss that will be amortized from accumulated other comprehensive loss into net periodic benefit plan cost during 2017 is $154,000.  The estimated amortization of the unrecognized transition obligation and actuarial gain for the post retirement health plan in 2017 is $3,000.  The expected net periodic benefit plan benefit for 2017 is estimated to be $318,000 for both retirement plans in aggregate.

Plan assets are invested in four diversified investment funds of the Pentegra Retirement Trust (the "Trust", formerly known as RSI Retirement Trust), a private placement investment fund.  The Trust has been given discretion by the Plan Sponsor to determine the appropriate strategic asset allocation versus plan liabilities, as governed by the Trust's Investment Policy Statement.  The Plan is structured to utilize a Liability Driven Investment (LDI) approach which seeks to fund the current and future liabilities of the Plan and aims to mitigate funded status and contribution volatility.  The fair value of plan assets is determined primarily through direct observations of market pricing for the underlying assets within the investment fund.  Where direct pricing observations are not available, fair value is determined by observations of market pricing for similar securities actively traded within publically accessible markets.

The Plan's asset allocation targets to hold 38% of assets in equity securities via investment in the Long-Term Growth – Equity Portfolio ('LTGE'), 16% in intermediate-term investment grade bonds via investment in the Long-Term Growth – Fixed-Income Portfolio ('LTGFI'), 35% in long duration bonds via the Liability Focused Fixed-Income Portfolio ('LFFI'), 10% in an alternative asset fund (the ALT Portfolio), and 1% in a cash equivalents portfolio (for liquidity).

LTGE is a diversified portfolio that invests in a number of actively and passively managed equity-focused mutual funds and collective investment trusts.  The Portfolio holds a diversified mix of equity funds in order to gain exposure to the U.S. and non-U.S. equity markets.  LTGFI is a diversified portfolio that invests in a number of fixed-income mutual funds and collective investment trusts.  The Portfolio invests primarily in intermediate-term bond funds with a focus on Core Plus fixed-income investment approaches.  LFFI is a diversified high quality fixed-income portfolio that currently invests in passively managed collective investment trusts that hold long duration bonds.  The ALT Portfolio invests in professionally managed private funds that hold alternative assets.  The Portfolio currently invests in three long/short equity hedge funds.

The investment objectives, investment strategies and risk of each of the daily valued and unitized Portfolios and the funds held within the Portfolios are detailed in the Private Placement Memorandum and the Trust's Investment Policy Statement.

The long-term investment objectives are to maintain plan assets at a level that will sufficiently cover long-term obligations and to generate a return on plan assets that will meet or exceed the rate at which long-term obligations will grow.  The LTGE and LTGFI Portfolios are designed to provide long-term growth of equity and fixed-income assets with the objective of achieving an investment return in excess of the cost of funding the active life, deferred vested, and all 30-year term and longer obligations of retired lives in the Trust.  The LFFI Portfolio is designed to fund the Trust's estimated retired lives class of liabilities for 30 years.  The ALT Strategy is designed to add diversification via the addition of relatively low correlation assets.  Risk/volatility is further managed by the distinct investment objectives of each of the Trust's Portfolios. A broadly diversified combination of equity and fixed income portfolios and various risk management techniques are used to help achieve these objectives.




In addition, significant consideration is paid to the plan's funding levels when determining the overall asset allocation.  If the plan is considered to be well-funded, approximately 65% of the plan's assets are allocated to equities and approximately 35% allocated to fixed-income.  Asset rebalancing normally occurs when the equity and fixed-income allocations vary by more than 10% from their respective targets (i.e., a 10% policy range guideline).


Pension plan assets measured at fair value are summarized below:

   
At December 31, 2016
  
                     
Total Fair
  
(In thousands)
  
Level 1
    
Level 2
    
Level 3
    
Value
  
Asset Category:
                        
Mutual funds - equity
                        
Large-cap value (a)
  
$
-
    
$
958
    
$
-
    
$
958
  
Large-cap Growth (b)
    
-
      
860
      
-
      
860
  
Large-cap Core (c)
    
-
      
609
      
-
      
609
  
                                 
   Mid-cap Value (d)
    
-
      
204
      
-
      
204
  
Mid-cap Growth (e)
    
-
      
186
      
-
      
186
  
Mid-cap Core (f)
    
-
      
209
      
-
      
209
  
                                 
Small-cap Value (g)
    
-
      
167
      
-
      
167
  
    Small-cap Growth (h)
    
-
      
140
      
-
      
140
  
Small-cap Core (i)
    
-
      
312
      
-
      
312
  
                                 
    International Equity (j)
    
-
      
1,131
      
-
      
1,131
  
Equity -Total
    
-
      
4,776
      
-
      
4,776
  
                                 
Fixed Income Funds
                                
     Fixed Income-US Core (k)
    
-
      
1,695
      
-
      
1,695
  
     Intermediate Duration (l)
    
-
      
2,932
      
-
      
2,932
  
     Long Duration (m)
    
-
      
2,474
      
-
      
2,474
  
      Fixed Income-Total
    
-
      
7,101
      
-
      
7,101
  
                                 
Long/Short Equity(n)
    
-
      
1,165
      
-
      
1,165
  
Company Common Stock
    
-
      
-
      
-
      
-
  
Cash Equivalents-Money market*
    
70
      
522
      
-
      
592
  
                                 
Total
  
$
70
    
$
13,564
    
$
-
    
$
13,634
  
                   
 
 
 
   
At December 31, 2015
  
                     
Total Fair
  
(In thousands)
  
Level 1
    
Level 2
    
Level 3
    
Value
  
Asset Category:
                        
Mutual funds - equity
                        
Large-cap value (a)
  
$
-
    
$
696
    
$
-
    
$
696
  
Large-cap Growth (b)
    
-
      
783
      
-
      
783
  
Large-cap Core (c)
    
-
      
510
      
-
      
510
  
                                 
   Mid-cap Value (d)
    
-
      
166
      
-
      
166
  
Mid-cap Growth (e)
    
-
      
163
      
-
      
163
  
Mid-cap Core (f)
    
-
      
162
      
-
      
162
  
                                 
Small-cap Value (g)
    
-
      
119
      
-
      
119
  
    Small-cap Growth (h)
    
-
      
117
      
-
      
117
  
Small-cap Core (i)
    
-
      
238
      
-
      
238
  
                                 
    International Equity (j)
    
-
      
996
      
-
      
996
  
Equity -Total
    
-
      
3,950
      
-
      
3,950
  
                                 
Fixed Income Funds
                                
     Fixed Income-US Core (k)
    
-
      
1,578
      
-
      
1,578
  
     Intermediate Duration (l)
    
-
      
2,865
      
-
      
2,865
  
     Long Duration (m)
    
-
      
2,347
      
-
      
2,347
  
      Fixed Income-Total
    
-
      
6,790
      
-
      
6,790
  
                                 
Long/Short Equity(n)
    
-
      
1,793
      
-
      
1,793
  
Company Common Stock
    
-
      
-
      
-
      
-
  
Cash Equivalents-Money market*
    
72
      
203
      
-
      
275
  
                                 
Total
  
$
72
    
$
12,736
    
$
-
    
$
12,808
  
*Includes cash equivalents investments in equity and fixed income strategies
                  

(a)
This category contains large-cap stocks with above-average yield.  The portfolio typically holds between 60 and 70 stocks.
(b)
This category seeks long-term capital appreciation by investing primarily in large growth companies based in the U.S.
(c)
This fund tracks the performance of the S&P 500 index by purchasing the securities represented in the index in approximately the same weightings as the index.
(d)
This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Value Index.
(e)
This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Growth Index.
(f)
This category seeks to track the performance of the S&P Midcap 400 Index.
(g)
This category consists of a selection of investments based on the Russell 2000 Value Index.
(h)
This category consists of a selection of investments based on the Russell 2000 Growth Index.
(i)
This category consists of an index fund designed to track the Russell 2000, along with a fund investing in readily marketable securities of U.S. companies with market capitalizations within the smallest 10% of the market universe, or smaller than the 1000th largest US company.
(j)
This category has investments in medium to large non-US companies, including high quality, durable growth companies and companies based in countries with stable economic and political systems.  A portion of this category consists of an index fund designed to track the MSC ACWI ex-US Net Dividend Return Index.
(k)
This category currently includes equal investments in three mutual funds, two of which usually hold at least 80% of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that index.  The third fund targets investments of 50% or more in mortgage-backed securities guaranteed by the US government and its agencies.
(l)
This category consists mostly of a fund which seeks to track the Barclays Capital US Corporate A or Better 5-20 Year, Bullets only Index, along with a diversified mutual fund holding fixed income securities rated A or better.
(m)
This category consists of a fund that seeks to approximate the performance of the Barclays Capital US Corporate A or Better, 20+ Year Bullets Only Index over the long term.
(n)
This category currently invests in three long/short equity hedge funds.

For the fiscal year ending December 31, 2017, the Company expects to contribute approximately $13,000 to the postretirement plan.
The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid from both retirement plans:
   
Pension
    
Postretirement
        
(In thousands)
  
Benefits
    
Benefits
    
Total
  
Years ending December 31:
                  
2017
  
$
266
    
$
13
    
$
279
  
2018
    
282
      
13
      
295
  
2019
    
292
      
13
      
305
  
2020
    
312
      
13
      
325
  
2021
    
329
      
12
      
341
  
Years 2022-2026
    
2,175
      
60
      
2,235
  

The Company also offers a 401(k) plan to its employees.  Contributions to this plan by the Company were $300,000 and $269,000 for 2016 and 2015, respectively. In addition, the Company made a $219,000 safe harbor contribution to the plan in 2016.

The Company maintains optional deferred compensation plans for its directors and certain executive officers, whereby fees and income normally received are deferred and paid by the Company based upon a payment schedule commencing at age 65 and continuing monthly for 10 years. Directors must serve on the board for a minimum of 5 years to be eligible for the Plan. At December 31, 2016 and 2015, other liabilities include approximately $2.4 million and $2.2 million, respectively, relating to deferred compensation. Deferred compensation expense for the years ended December 31, 2016 and 2015 amounted to approximately $339,000 and $310,000, respectively.

The Company has a supplemental executive retirement plan ("SERP") for the benefit of a retired Chief Executive Officer at December 31, 2016.  At December 31, 2016 and 2015, other liabilities included approximately $0 and $15,000, respectively, accrued under this plan related to the retired CEO.  Compensation expense includes approximately $0 relating to this supplemental executive retirement plan for the year ended December 31, 2016 and $4,000 for the year ended December 31, 2015.  This plan fully paid out during 2016.

To assist in the funding of the Company's benefits under the supplemental executive retirement plan and deferred compensation plans, the Company is the owner of single premium life insurance policies on selected participants.  At December 31, 2016 and 2015, the cash surrender values of these policies were $11.5 million and $10.6 million, respectively.

The Bank adopted a Defined Contribution Supplemental Executive Retirement Plan (the "SERP"), effective January 1, 2014.  The SERP benefits certain key senior executives of the Bank who are selected by the Board to participate, including our Named Executive Officers.  The SERP is intended to provide a benefit from the Bank upon retirement, death, disability or voluntary or involuntary termination of service (other than "for cause"), subject to the requirements of Section 409A of the Internal Revenue Code.  Accordingly, the SERP obligates the Bank to make a contribution to each executive's account on the last business day of each calendar year.  In addition, the Bank, may, but is not required to, make additional discretionary contributions to the executive's accounts from time to time.  All executives currently participating in the plan, including the Named Executive Officers, are fully vested in the Bank's contribution to the plan.  In the event the executive is terminated involuntarily or resigns for good reason within 24 months following a change in control, the Bank is required to make additional annual contributions the lesser of:  (1) three years or (2) the number of years remaining until the executive's benefit age, subject to potential reduction to avoid an excess parachute payment under Code Section 280G.  In the event of the executive's death, disability or termination within 24 months after a change in control, the executive's account will be paid in a lump sum to the executive or his beneficiary, as applicable.  In the event the executive is entitled to a benefit from the SERP due to retirement or other termination of employment, the benefit will be paid either in a lump sum or in 10 annual installments as detailed in his or her participant agreement.  At December 31, 2016, other liabilities included $473,000 accrued under this plan.
 
 
NOTE 15:  STOCK BASED COMPENSATION PLANS

All share and per share values have been adjusted, where appropriate, by the 1.6472 exchange rate used in the Conversion and Offering that occurred on October 16, 2014.

The April 2010 Stock Option Plan

In June 2011, the board of directors of the Company approved the grant of stock option awards to its directors and executive officers under the 2010 Stock Option Plan that had 247,080 shares authorized for award.  A total of 74,124 stock option awards were granted to the nine directors of the Company, at that time, and 123,540 stock option awards, in total, were granted to the Chief Executive Officer and the Company's then four senior vice presidents.  The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or June 2021.  The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 2.2%; volatility factors of the expected market price of the Company's common stock of 0.45; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.49%. Based upon these assumptions, the weighted average fair value of options granted was $2.29.

In July 2013, the board of directors of the Company approved the grant of 16,472 stock option awards in total to two newly elected directors of the Company.  The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or July 2023.  The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 2.0%; volatility factors of the expected market price of the Company's common stock of 0.45; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.0%. Based upon these assumptions, the weighted average fair value of options granted was $3.69.

In November 2015, the board of directors of the Company approved the grant of 16,472 stock option awards in total to two newly elected directors of the Company.  The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or November 2025.  The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 1.9%; volatility factors of the expected market price of the Company's common stock of 0.23; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.4%. Based upon these assumptions, the weighted average fair value of options granted was $2.56.

In April 2016, the board of directors of the Company approved the grant of 47,768 stock option awards in total to three officers and one recently promoted senior officer.  The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or April 2026.  The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 1.6%; volatility factors of the expected market price of the Company's common stock of 0.32; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.55%. Based upon these assumptions, the weighted average fair value of options granted was $3.17.

The May 2016 Stock Option Plan

In May 2016, the board of directors of the Company approved the grant of stock option awards to its directors, executive Officers, senior officers and officers under the 2016 Equity Incentive Plan that was approved at the Annual Meeting of Shareholders on May 4, 2016 when 263,605 shares were authorized for award.


A total of 79,083 stock option awards were granted to the nine directors of the Company and 44,812 stock option awards, in total, were granted to thirteen officers.  The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or May 2026.  The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 1.6%; volatility factors of the expected market price of the Company's common stock of 0.32; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.55%. Based upon these assumptions, the weighted average fair value of options granted was $3.32.

A total of 92,261 stock option awards, in total, were granted to the Chief Executive Officer, two executive officers and three senior officers.  The awards will vest ratably over seven years (approximately 14.28% per year for each year of the participant's service with the Company) with the exception of one senior officer whose awards will vest upon retirement on August 1, 2017 and will expire ten years from the date of the grant, or May 2026.  The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 1.7%; volatility factors of the expected market price of the Company's common stock of 0.32; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.55%. Based upon these assumptions, the weighted average fair value of options granted was $3.59.

Activity in the stock option plans is as follows:

         
Weighted
        
   
Options
    
Average
    
Shares
  
(Shares in thousands)
  
Outstanding
    
Exercise Price
    
Exercisable
  
Outstanding at December 31, 2014
    
170
    
$
5.75
      
95
  
Granted
    
17
    
$
11.09
      
-
  
Newly vested
    
-
      
5.75
      
35
  
Exercised
    
(2
)
    
-
      
(2
)
Expired
    
-
      
-
      
-
  
Outstanding at December 31, 2015
    
185
    
$
5.75
      
128
  
Granted
    
264
    
$
11.25
      
-
  
Newly vested
    
-
      
6.21
      
37
  
Exercised
    
(26
)
    
-
      
(26
)
Expired
    
-
      
-
      
-
  
Outstanding at December 31, 2016
    
423
    
$
6.21
      
139
  

The aggregate intrinsic value of a stock option represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had all option holders exercised their options prior to the expiration date.  The intrinsic value can change based on fluctuations in the market value of the Company's stock.  At December 31, 2016, the intrinsic value of the stock options was $1.7 million.  At December 31, 2015, the intrinsic value of the stock options was $1.2 million.

At December 31, 2016, there were 422,940 options outstanding, of which 139,246 were exercisable at an average exercise price of $5.80, and an average remaining contractual life of 4.7 years.

The May 2016 Restricted Stock Awards

In May 2016, the board of directors of the Company approved the grant of restricted stock awards to its directors, executive officers, senior officers and officers under the 2016 Equity Incentive Plan that was approved at the Annual Meeting of Shareholders on May 4, 2016 when 105,442 shares were authorized for award.  A total of 31,635 restricted stock awards were granted to the nine directors of the Company and 8,436 restricted stock awards, in total, were granted to two officers.  The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company).
 
 

A total of 46,570 stock option awards, in total, were granted to the Chief Executive Officer, two executive officers and three senior officers.  The awards will vest ratably over seven years (approximately 14.28% per year for each year of the participant's service with the Company) with the exception of one senior officer whose awards will vest upon retirement on August 1, 2017.

The compensation expense of the awards is based on the fair value of the instruments on the date of grant.  The Company recorded compensation expense in the amount of $264,000 and $85,000 in 2016 and 2015, respectively, and is expected to record $328,000, $323,000, $316,000, $314,000, $176,000, $113,000 and $38,000 in 2017 through 2023.

NOTE 16:  EMPLOYEE STOCK OWNERSHIP PLAN

The Bank established the Pathfinder Bank Employee Stock Ownership Plan ("Plan") to purchase stock of the Company for the benefit of its employees.  In July 2011, the Plan received a $1.1 million loan from Community Bank, N.A., guaranteed by the Company, to fund the Plan's purchase of 125,000 shares of the Company's treasury stock.  The loan was being repaid in equal quarterly installments of principal plus interest over ten years beginning October 1, 2011.  Interest accrued at the Wall Street Journal Prime Rate plus 1.00%, and was secured by the unallocated shares of the ESOP stock.  This loan was refinanced in connection with the Conversion and Offering that occurred on October 16, 2014.

In connection with the Conversion and Offering, the ESOP purchased 105,442 shares issued in the offering by obtaining a loan from the Company which was used to purchase both the additional shares and refinance the remaining outstanding balance on the loan from Community Bank N.A.  There were 138,982.5 shares associated with the refinanced loan resulting in a total of 244,424.5 shares associated with the new loan provided by the Company.

The ESOP loan from the Company has a ten year term and is being repaid in equal payments of principal and interest under a fixed rate of interest equal to 3.25% which was the prime rate of interest on the date of the closing of the offering.  This ESOP loan from the Company, also referred to as an internally leveraged ESOP, does not appear as a liability on the Company's consolidated statement of condition as of December 31, 2016 in accordance with ASC 718-40-25-9d.

In accordance with the payment of principal on the loan, a proportionate number of shares are allocated to the employees over the ten year time horizon of the loan.  Participants' vesting interest in the shares of Company stock is at the rate of 20% per year. Compensation expense is recorded based on the number of shares released to the participants times the average market value of the Company's stock over that same period.  Dividends on unallocated shares, recorded as compensation expense on the income statement, are made available to the participants' account. The Company recorded $333,000 and $305,000 in compensation expense in 2016 and 2015, respectively, including $40,000 and $36,000 for dividends on unallocated shares in these same time periods.  At December 31, 2016, there were 189,429 unearned ESOP shares with a fair value of $2.6 million.



NOTE 17: INCOME TAXES

The provision for income taxes for the years ended December 31, is as follows:

(In thousands)
  
2016
    
2015
  
Current
  
$
1,360
    
$
955
  
Deferred
    
(249
)
    
116
  
 
  
$
1,111
    
$
1,071
  
                 
The provision for income taxes includes the following:
                
                 
(In thousands)
    
2016
      
2015
  
Federal Income Tax
  
$
980
    
$
929
  
State Tax
    
131
      
142
  
 
  
$
1,111
    
$
1,071
  

The components of the net deferred tax liability, included in other liabilities as of December 31, are as follows:


(In thousands)
  
2016
    
2015
  
Assets:
            
Deferred compensation
  
$
912
    
$
858
  
Allowance for loan losses
    
2,392
      
2,185
  
Postretirement benefits
    
56
      
61
  
Subordinated loan interest
    
37
      
-
  
Investment securities and financial derivative
    
1,229
      
-
  
Impairment losses on investment securities
    
88
      
155
  
Loan origination fees
    
184
      
66
  
Capital loss carryforward
    
62
      
120
  
Held-to-maturity securities
    
310
      
417
  
Other
    
166
      
121
  
Total
    
5,436
      
3,983
  
Liabilities:
                
Prepaid pension
    
(1,605
)
    
(1,336
)
Depreciation
    
(1,083
)
    
(1,011
)
Accretion
    
(211
)
    
(145
)
Loan origination fees
    
-
      
-
  
Intangible assets
    
(1,470
)
    
(1,470
)
Investment securities and financial derivative
    
-
      
(21
)
Mortgage servicing rights
    
(15
)
    
(20
)
Prepaid expenses and transaction fees
    
(204
)
    
(97
)
Total
    
(4,588
)
    
(4,100
)
     
848
      
(117
)
Less: deferred tax asset valuation allowance
    
(150
)
    
(265
)
Net deferred tax asset
  
$
698
    
$
(382
)

Realization of deferred tax assets is dependent upon the generation of future taxable income or the existence of sufficient taxable income within the carry back period.  A valuation allowance is provided when it is more likely than not that some portion, or all of the deferred tax assets, will not be realized.  In assessing the need for a valuation allowance, management considers the scheduled reversal of the deferred tax liabilities, the level of historical taxable income and the projected future level of taxable income over the periods in which the temporary differences comprising the deferred tax assets will be deductible.

The judgment about the level of future taxable income is inherently subjective and is reviewed on a continual basis as regulatory and business factors change. The valuation allowance of $150,000 at December 31, 2016 represents the portion of the deferred tax asset that management believes may not be realizable, as the Company may not generate sufficient capital gains in future years to offset its existing cumulative capital losses prior to the expiration of the related capital loss carryforward tax benefits.  The deferred tax allowance was $265,000 at December 31, 2015.  The $115,000 decrease in this allowance between December 31, 2015 and December 31, 2016, relates primarily to the reduction in current taxes payable resulting from capital gain income that was realized in 2016.

A reconciliation of the federal statutory income tax rate to the effective income tax rate for the years ended December 31, is as follows:

 
  
2016
    
2015
  
Federal statutory income tax rate
    
34.0
%
    
34.0
%
State tax, net of federal benefit
    
1.9
      
2.3
  
Tax-exempt interest income
    
(8.6
)
    
(8.1
)
Increase in value of bank owned life insurance less premiums paid
    
(2.0
)
    
(3.0
)
Change in valuation allowance
    
(2.6
)
    
(4.8
)
Other
    
2.5
      
6.4
  
Effective income tax rate
    
25.2
%
    
26.8
%

NOTE 18: COMMITMENTS AND CONTINGENCIES

The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit.  Such commitments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated statement of condition. The contractual amount of those commitments to extend credit reflects the extent of involvement the Company has in this particular class of financial instrument. The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of the instrument.  The Company uses the same credit policies in making commitments as it does for on-balance sheet instruments.

At December 31, 2016 and 2015, the following financial instruments were outstanding whose contract amounts represent credit risk:
   
Contract Amount
  
(In thousands)
  
2016
    
2015
  
Commitments to grant loans
  
$
46,649
    
$
20,168
  
Unfunded commitments under lines of credit
    
48,653
      
34,469
  
Unfunded commitments related to construction loans in progress
    
5,918
      
5,726
  
Standby letters of credit
    
1,900
      
1,884
  

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitment amounts are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management's credit evaluation of the counter party. Collateral held varies but may include residential real estate and income-producing commercial properties.  Loan commitments outstanding at December 31, 2016 with fixed interest rates amounted to approximately $7.8 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at December 31, 2016 with variable interest rates amounted to approximately $89.4 million.  These outstanding loan commitments carry current market rates.
 

 
Unfunded commitments under standby letters of credit, revolving credit lines and overdraft protection agreements are commitments for possible future extensions of credit to existing customers.  These lines of credit usually do not contain a specified maturity date and may not be drawn upon to the total extent to which the Company is committed.

Letters of credit written are conditional commitments issued by the Company to guarantee the performance of a customer to a third party.  Generally, all letters of credit, when issued have expiration dates within one year.  The credit risk involved in issuing letters of credit is essentially the same as those that are involved in extending loan facilities to customers.  The Company generally holds collateral and/or personal guarantees supporting these commitments.  Management believes that the proceeds obtained through a liquidation of collateral and the enforcement of guarantees would be sufficient to cover the potential amount of future payments required under the corresponding guarantees.  The amount of the liability as of December 31, 2016 and 2015 for guarantees under standby letters of credit issued is not material.

The Company leases land and leasehold improvements under agreements that expire in various years with renewal options over the next 30 years.  Rental expense, included in building occupancy expense, amounted to $149,000 for 2016 and $135,000 for 2015.

Approximate minimum rental commitments for non-cancelable operating leases are as follows:

Years Ending December 31:
      
(In thousands)
      
2017
    
147
  
2018
    
105
  
2019
    
62
  
2020
    
56
  
2021
    
31
  
Thereafter
    
293
  
Total minimum lease payments
  
$
694
  

NOTE 19: DIVIDENDS AND RESTRICTIONS

The Company's ability to pay dividends to its shareholders is largely dependent on the Bank's ability to pay dividends to the Company.  In addition to state law requirements and the capital requirements discussed in Note 20, federal statutes, regulations and policies limit the circumstances under which the Bank may pay dividends.  The amount of retained earnings legally available under these regulations approximated $10.4 million as of December 31, 2016.  Dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank's capital to be reduced below applicable minimum capital requirements.  The Bank made no dividend payments to the Company in the years ended December 31, 2016, December 31, 2015 or December 31, 2014.

Capital adequacy is evaluated primarily by the use of ratios which measure capital against total assets, as well as against total assets that are weighted based on defined risk characteristics.  The Company's goal is to maintain a strong capital position, consistent with the risk profile of its banking operations.  This strong capital position serves to support growth and expansion activities while at the same time exceeding regulatory standards.  At December 30, 2016, the Bank met the regulatory definition of a "well-capitalized" institution, i.e. a leverage capital ratio exceeding 5%, a Tier 1 risk-based capital ratio exceeding 8%, Tier 1 common equity exceeding 6.5%, and a total risk-based capital ratio exceeding 10%.
 
 
In addition to establishing the minimum regulatory capital requirements, the regulations limit capital distributions and certain discretionary bonus payments to management if the institution does not hold a "capital conservation buffer" consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets above the amount necessary to meet its minimum risk-based capital requirements.  The buffer is separate from the capital ratios required under the Prompt Corrective Action ("PCA") standards. In order to avoid these restrictions, the capital conservation buffer effectively increases the minimum the following capital to risk-weighted assets ratios: (1) Core Capital, (2) Total Capital and (3) Common Equity.  The capital conservation buffer requirement is being phased in beginning January 1, 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented at 2.5% on January 1, 2019. At December 30, 2016, the Bank exceeded all current and projected regulatory required minimum capital ratios, including the maximum capital buffer level that will be required on January 1, 2019.

NOTE 20: REGULATORY MATTERS

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

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain amounts and ratios (set forth in the table below) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined).

As of December 31, 2016, the Bank's most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as "well-capitalized", under the regulatory framework for prompt corrective action.  To be categorized as "well-capitalized", the Bank must maintain total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the tables below. There are no conditions or events since that notification that management believes have changed the Bank's category.

As noted above, the regulations also impose a "capital conservation buffer" consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets above the amount necessary to meet its minimum risk-based capital requirements.  The buffer is separate from the capital ratios required under the Prompt Corrective Action ("PCA") standards and imposes restrictions on dividend distributions and discretionary bonuses. In order to avoid these restrictions, the capital conservation buffer effectively increases the minimum the following capital to risk-weighted assets ratios: (1) Core Capital, (2) Total Capital and (3) Common Equity.  The capital conservation buffer requirement is being phased in beginning January 1, 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented at 2.5% on January 1, 2019. At December 30, 2016, the Bank exceeded all current and projected regulatory required minimum capital ratios, including the maximum capital buffer level that will be required on January 1, 2019.



The Bank's actual capital amounts and ratios as of December 31, 2016 and 2015 are presented in the following table.
   
Actual
    
Minimum For
Capital Adequacy Purposes
    
Minimum To Be
"Well-Capitalized"
Under Prompt
Corrective Provisions
    
Well-Capitalized
With Buffer, Fully
Phased In For 2019
  
(Dollars in thousands)
  
Amount
    
Ratio
    
Amount
    
Ratio
    
Amount
    
Ratio
    
Amount
    
Ratio
  
As of December 31, 2016
                                                
Total core capital (to risk-weighted assets)
  
$
72,098
      
14.79
%
  
$
38,996
      
8.00
%
  
$
48,745
      
10.00
%
  
$
51,182
      
10.50
%
Tier 1 capital (to risk-weighted assets)
  
$
66,003
      
13.54
%
  
$
29,247
      
6.00
%
  
$
38,996
      
8.00
%
  
$
41,433
      
8.50
%
Tier 1 common equity (to risk-weighted assets)
  
$
66,003
      
13.54
%
  
$
21,935
      
4.50
%
  
$
31,684
      
6.50
%
  
$
34,121
      
7.00
%
Tier 1 capital (to adjusted assets)
  
$
66,003
      
9.06
%
  
$
29,154
      
4.00
%
  
$
36,443
      
5.00
%
  
$
36,443
      
5.00
%
As of December 31, 2015:
                                                                
Total core capital (to risk-weighted assets)
  
$
67,286
      
16.22
%
  
$
33,187
      
8.00
%
  
$
41,484
      
10.00
%
                
Tier 1 capital (to risk-weighted assets)
  
$
62,038
      
14.95
%
  
$
24,891
      
6.00
%
  
$
33,187
      
8.00
%
                
Tier 1 common equity (to risk-weighted assets)
  
$
62,038
      
14.95
%
  
$
18,668
      
4.50
%
  
$
26,965
      
6.50
%
                
Tier 1 capital (to adjusted assets)
  
$
62,038
      
10.00
%
  
$
24,816
      
4.00
%
  
$
31,020
      
5.00
%
                

On September 1, 2011, the Company entered into a Securities Purchase Agreement with the Secretary of the Treasury ("Treasury") pursuant to which the Company sold to the Treasury, 13,000 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series B ("Series B Preferred Stock"), having a liquidation preference of $1,000 per share for aggregate proceeds of $13,000,000.  This transaction was entered into as part of the SBLF.

The Series B Preferred Stock was entitled to receive non-cumulative dividends payable quarterly, on each January 1, April 1, July 1 and October 1, beginning October 1, 2011.  The dividend rate, which was calculated on the aggregate liquidation amount, was initially set at 4.2% per annum based upon the level of "Qualified Small Business Lending," or "QSBL" (as defined in the Securities Purchase Agreement) by Pathfinder Bank.  The dividend rate for dividend periods subsequent to the initial period was set based upon the "Percentage Change in Qualified Lending" (as defined in the Securities Purchase Agreement) between each dividend period and the "Baseline" QSBL level.   In general, the dividend rate decreased as the level of Pathfinder Bank's QSBL increased.  Our dividend rate as of December 31, 2015 was 1.0%. Such dividends were not cumulative, but we could only declare and pay dividends on our common stock (or any other equity securities junior to the Series B Preferred Stock) if we have declared and paid dividends for the current dividend period on the Series B Preferred Stock.  We were also subject to other restrictions on our ability to repurchase or redeem other securities. 
 
The Company had the right to redeem the shares of Series B Preferred Stock, in whole or in part, at any time at a redemption price equal to the sum of the liquidation amount per share and the per-share amount of any unpaid dividends for the then-current period, subject to any required prior approval by its primary federal regulator.  On February 16, 2016, the Company redeemed all 13,000 shares of the Series B Preferred Stock outstanding with the payment of $13.0 million to the SBLF.  This redemption was substantially financed by the issuance of the $10 million Subordinated Loan on October 15, 2015. The issuance of the Subordinated Loan will increase interest expense by $644,000 per year but prospectively reduce the amount payable to the SBLF in preferred stock dividends.  Effective April 1, 2016, the annual dividend rate for the preferred stock would have been 9.0%.  The retirement of the $13.0 million of the SBLF Preferred Series B stock, therefore will result in an annual reduction of preferred dividends payable of $1.2 million.  The Company paid $16,000 and $130,000 in preferred dividends in 2016 and 2015, respectively. These transactions had no effect on the regulatory capital position of the Bank.

The Company's goal is to maintain a strong capital position, consistent with the risk profile of its subsidiary banks that supports growth and expansion activities while at the same time exceeding regulatory standards.  At December 31, 2016, the Bank exceeded all regulatory required minimum capital ratios and met the regulatory definition of a "well-capitalized" institution, i.e. a leverage capital ratio exceeding 5%, a Tier 1 risk-based capital ratio exceeding 6% and a total risk-based capital ratio exceeding 10%.
 
 

The Bank is required to maintain average balances on hand or with the Federal Reserve Bank.  At December 31, 2016 and 2015, these reserve balances amounted to $13.2 million and $3.9 million, respectively and are included in cash and due from banks in the statement of condition.

NOTE 21: INTEREST RATE DERIVATIVE

Derivative instruments are entered into primarily as a risk management tool of the Company. Financial derivatives are recorded at fair value as other liabilities. The accounting for changes in the fair value of a derivative depends on whether it has been designated and qualifies as part of a hedging relationship. For a fair value hedge, changes in the fair value of the derivative instrument and changes in the fair value of the hedged asset or liability are recognized currently in earnings. For a cash flow hedge, changes in the fair value of the derivative instrument, to the extent that it is effective, are recorded in other comprehensive income and subsequently reclassified to earnings as the hedged transaction impacts net income. Any ineffective portion of a cash flow hedge is recognized currently in earnings.  See Note 22 for further discussion of the fair value of the interest rate derivative.

The Company has $5.0 million of floating rate trust preferred debt indexed to 3-month LIBOR.  As a result, it is exposed to variability in cash flows related to changes in projected interest payments caused by changes in the benchmark interest rate.  During the fourth quarter of fiscal 2009, the Company entered into an interest rate swap agreement, with a $2.0 million notional amount, to convert a portion of the floating rate trust preferred debt to a fixed rate for a term of approximately seven years at a rate of 4.96%.  This swap agreement expired in the second quarter of 2016 and was not renewed.  The derivative, while in effect, was designated as a cash flow hedge.  The hedging strategy ensured that changes in cash flows from the derivative would have been highly effective at offsetting changes in interest expense from the hedged exposure.

The following table summarizes the fair value of outstanding derivatives and their presentation on the statements of condition as of December 31:

(In thousands)
  
2016
    
2015
  
 Cash flow hedge:
            
 Other liabilities
  
$
-
    
$
27
  

The change in accumulated other comprehensive loss, on a pretax basis, and the impact on earnings from the interest rate swap that qualifies as a cash flow hedge for the year ended December 31 were as follows:

(In thousands)
  
2016
    
2015
  
Balance as of December 31:
  
$
(27
)
  
$
(82
)
Amount of gains/losses recognized in other comprehensive income
    
2
      
(6
)
Amount of loss reclassified from other comprehensive income
                
     and recognized as interest expense
    
25
      
61
  
Balance as of December 31:
  
$
-
    
$
(27
)

No amount of ineffectiveness had been included in earnings for prior periods and the changes in fair value were recorded in other comprehensive (loss) income.  Some, or all, of the amount included in accumulated other comprehensive (loss) income would have been reclassified into current earnings should a portion of, or the entire hedge no longer been considered effective.

NOTE 22: FAIR VALUE MEASUREMENTS AND DISCLOSURES

Accounting guidance related to fair value measurements and disclosures specifies a hierarchy of valuation techniques based on whether the inputs to those valuation techniques are observable or unobservable. Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect the Company's market assumptions. These two types of inputs have created the following fair value hierarchy:
Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.
 
 

Level 2 – Quoted prices for similar assets and liabilities in active markets; quoted prices for identical or similar assets or liabilities in markets that are not active; and model-derived valuations in which all significant inputs and significant value drivers are observable in active markets.

Level 3 – Model-derived valuations in which one or more significant inputs or significant value drivers are unobservable.

An asset's or liability's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.

In determining fair value, the Company utilizes valuation techniques that maximize the use of observable inputs, minimize the use of unobservable inputs, to the extent possible, and considers counterparty credit risk in its assessment of fair value.

The Company used the following methods and significant assumptions to estimate fair value:

Investment securities:  The fair values of securities available-for-sale are obtained from an independent third party and are based on quoted prices on nationally recognized securities exchanges where available (Level 1).  If quoted prices are not available, fair values are measured by utilizing matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2).  Management made no adjustment to the fair value quotes that were received from the independent third party pricing service. During the third quarter of 2015, the Company purchased $313,000 of the common stock of a community-based financial institution that conducts its operations outside of the Company's primary market area.  During the second quarter of 2016, the Company purchased an additional $130,000 of this common stock. The first purchase was in conjunction with a capital raise by the financial institution that attracted multiple investors and the second purchase was made in a private sale. The stock of this financial institution is not traded on any exchange and there are no quoted market prices available for this security (Level 3).  Management has reviewed the results of the financial operations of the financial institution for the quarter and year ended December 31, 2016 and has concluded that this investment was appropriately valued at the acquisition cost of its most recent purchase, which was considered to be its fair value as of the measurement date.

Interest rate swap derivative:  The fair value of the interest rate swap derivative is obtained from a third party pricing agent and is calculated based on a discounted cash flow model. All future floating cash flows are projected and both floating and fixed cash flows are discounted to the valuation date.  The curve utilized for discounting and projecting is built by obtaining publicly available third party market quotes for various swap maturity terms, and therefore is classified within Level 2 of the fair value hierarchy.  The swap agreement presented in the accompanying financial statements expired in the second quarter of 2016 and was not renewed. 

Impaired loans: Impaired loans are those loans in which the Company has measured impairment based on the fair value of the loan's collateral or the discounted value of expected future cash flows.  Fair value is generally determined based upon market value evaluations by third parties of the properties and/or estimates by management of working capital collateral or discounted cash flows based upon expected proceeds.  These appraisals may include up to three approaches to value: the sales comparison approach, the income approach (for income-producing property), and the cost approach.  Management modifies the appraised values, if needed, to take into account recent developments in the market or other factors, such as, changes in absorption rates or market conditions from the time of valuation and anticipated sales values considering management's plans for disposition.  Such modifications to the appraised values could result in lower valuations of such collateral. Estimated costs to sell are based on current amounts of disposal costs for similar assets.  These measurements are classified as Level 3 within the valuation hierarchy. Impaired loans are subject to nonrecurring fair value adjustment upon initial recognition or subsequent impairment.  A portion of the allowance for loan losses is allocated to impaired loans if the value of such loans is deemed to be less than the unpaid balance.
 

 
Foreclosed real estate:  Fair values for foreclosed real estate are initially recorded based on market value evaluations by third parties, less costs to sell ("initial cost basis").  Any write-downs required when the related loan receivable is exchanged for the underlying real estate collateral at the time of transfer to foreclosed real estate are charged to the allowance for loan losses.  Values are derived from appraisals, similar to impaired loans, of underlying collateral or discounted cash flow analysis.  Subsequent to foreclosure, valuations are updated periodically and assets are marked to current fair value, not to exceed the initial cost basis.  In the determination of fair value subsequent to foreclosure, management also considers other factors or recent developments, such as, changes in absorption rates and market conditions from the time of valuation and anticipated sales values considering management's plans for disposition.  Either change could result in adjustment to lower the property value estimates indicated in the appraisals.  These measurements are classified as Level 3 within the fair value hierarchy.

The following tables summarize assets measured at fair value on a recurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value:
   
2016
  
                     
Total Fair
  
(In thousands)
  
Level 1
    
Level 2
    
Level 3
    
Value
  
Available-for-sale portfolio
                        
Debt investment securities:
                        
US Treasury, agencies and GSEs
  
$
-
    
$
24,184
    
$
-
    
$
24,184
  
State and political subdivisions
    
-
      
16,481
      
-
      
16,481
  
Corporate
    
-
      
15,195
      
-
      
15,195
  
Asset backed securities
    
-
      
6,664
      
-
      
6,664
  
Residential mortgage-backed - US agency
    
-
      
30,566
      
-
      
30,566
  
Collateralized mortgage obligations - US agency
    
-
      
40,986
      
-
      
40,986
  
Collateralized mortgage obligations - Private label
    
-
      
6,577
      
-
      
6,577
  
Equity investment securities:
                                
Mutual funds:
                                
Ultra short mortgage fund
    
626
      
-
      
-
      
626
  
Large cap equity fund
    
-
      
-
      
-
      
-
  
Common stock - Financial services industry
    
-
      
220
      
456
      
676
  
Total available-for-sale securities
  
$
626
    
$
140,873
    
$
456
    
$
141,955
  
                                 
Interest rate swap derivative
  
$
-
    
$
-
    
$
-
    
$
-
  
 
 
                                
              2015             
Total Fair
  
(In thousands)
  
Level 1
    
Level 2
    
Level 3
    
Value
  
Available-for-sale portfolio
                                
Debt investment securities:
                                
US Treasury, agencies and GSEs
  
$
-
    
$
21,308
    
$
-
    
$
21,308
  
State and political subdivisions
    
-
      
8,300
      
-
      
8,300
  
Corporate
    
-
      
18,128
      
-
      
18,128
  
Residential mortgage-backed - US agency
    
-
      
32,573
      
-
      
32,573
  
Collateralized mortgage obligations - US agency
    
-
      
16,833
      
-
      
16,833
  
Collateralized mortgage obligations - Private label
    
-
      
-
      
-
      
-
  
Equity investment securities:
                                
Mutual funds:
                                
Ultra short mortgage fund
    
638
      
-
      
-
      
638
  
Large cap equity fund
    
583
      
-
      
-
      
583
  
Common stock - Financial services industry
    
46
      
220
      
313
      
579
  
Total available-for-sale securities
  
$
1,267
    
$
97,362
    
$
313
    
$
98,942
  
                                 
Interest rate swap derivative
  
$
-
    
$
(27
)
  
$
-
    
$
(27
)
 
 

 
The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis as of December 31 were as follows:
  
 (In thousands)
  
Common Stock - Financial Services Industry
  
       
 Balance - December 31, 2015
  
$
313
  
 Total gains realized/unrealized:
        
 Included in earnings
    
-
  
 Included in other comprehensive income
    
13
  
 Settlements
    
130
  
 Sales
    
-
  
 Balance - December 31, 2016
  
$
456
  
 Changes in unrealized gains included in earnings related to assets still held at December 31, 2016
  
$
-
  

The following table summarizes the valuation techniques and significant unobservable inputs used for the Company's investments that are categorized within Level 3 of the fair value hierarchy at the indicated dates:

(In thousands)
  
At December 31, 2016
  
 Investment Type
  
Fair Value
  
 Valuation Techniques
 Unobservable Input
  
Weight
  
 Common Stock - Financial Services Industry
  
$
456
  
 Inputs to comparables
 Weight ascribed to comparable companies
    
100
%
                     
                     
 (In thousands)
  
At December 31, 2015
  
 Investment Type
  
Fair Value
  
 Valuation Techniques
 Unobservable Input
  
Weight
  
 Common Stock - Financial Services Industry
  
$
313
  
 Inputs to comparables
 Weight ascribed to comparable companies
    
100
%

Certain assets and liabilities are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment).

The following tables summarize assets measured at fair value on a nonrecurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value:

         
                         2016
        
                     
Total Fair
  
(In thousands)
  
Level 1
    
Level 2
    
Level 3
    
Value
  
 Impaired loans
  
$
-
    
$
-
    
$
4,049
    
$
4,049
  
 Foreclosed real estate
  
$
-
    
$
-
    
$
393
    
$
393
  
                                 
                                 
              2015                   
                           
Total Fair
  
(In thousands)
  
Level 1
    
Level 2
    
Level 3
    
Value
  
 Impaired loans
  
$
-
    
$
-
    
$
1,070
    
$
1,070
  
 Foreclosed real estate
  
$
-
    
$
-
    
$
360
    
$
360
  
 
 

 
The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Level 3 inputs were used to determine fair value.
 
 
 
 
Quantitative Information about Level 3 Fair Value Measurements
 
       
 
Valuation
Unobservable
Range
 
Techniques
Input
(Weighted Avg.)
At December 31, 2016
 
 
 
Impaired loans
Appraisal of collateral
Appraisal Adjustments
5% - 10% (5%)
 
(Sales Approach)
Costs to Sell
8% - 13% (10%)
 
Discounted Cash Flow
    
       
Foreclosed real estate
Appraisal of collateral
Appraisal Adjustments
 15% - 15% (15%)
 
(Sales Approach)
Costs to Sell
 6% - 8% (7%)
 
 
 
 
 
 

 
 
 
Quantitative Information about Level 3 Fair Value Measurements
 
       
 
Valuation
Unobservable
Range
 
Techniques
Input
(Weighted Avg.)
At December 31, 2015
 
 
 
Impaired loans
Appraisal of collateral
Appraisal Adjustments
5% - 10% (8%)
 
(Sales Approach)
Costs to Sell
8% - 15% (14%)
 
Discounted Cash Flow
    
       
Foreclosed real estate
Appraisal of collateral
Appraisal Adjustments
 15% - 15% (15%)
 
(Sales Approach)
Costs to Sell
 6% - 8% (7%)
 
 
 
 

Required disclosures include fair value information of financial instruments, whether or not recognized in the consolidated statement of condition, for which it is practicable to estimate that value.  In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques.  Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument.

The Company has various processes and controls in place to ensure that fair value is reasonably estimated. The Company performs due diligence procedures over third-party pricing service providers in order to support their use in the valuation process. 

While the Company believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date.

Management uses its best judgment in estimating the fair value of the Company's financial instruments; however, there are inherent weaknesses in any estimation technique.  Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sales transaction on the dates indicated.  The estimated fair value amounts have been measured as of their respective period-ends, and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates.  As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each period-end. 
 
 

The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company's assets and liabilities.  Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company's disclosures and those of other companies may not be meaningful.  The Company, in estimating its fair value disclosures for financial instruments, used the following methods and assumptions:

Cash and cash equivalents – The carrying amounts of these assets approximate their fair value and are classified as Level 1.

Interest earning time deposits – The carrying amounts of these assets approximate their fair value and are classified as Level 1.

Investment securities – The fair values of securities available-for-sale and held-to-maturity are obtained from an independent third party and are based on quoted prices on nationally recognized exchange where available (Level 1).  If quoted prices are not available, fair values are measured by utilizing matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities, but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2).  Management made no adjustment to the fair value quotes that were received from the independent third party pricing service. During the third quarter of 2015, the Company purchased $313,000 of the common stock of a community-based financial institution that conducts its operations outside of the Company's primary market area.  During the second quarter of 2016, the Company purchased an additional $130,000 of this common stock. The first purchase was in conjunction with a capital raise by the financial institution that attracted multiple investors and the second purchase was made in a private sale. The stock of this financial institution is not traded on any exchange and there are no quoted market prices available for this security (Level 3).  Management has reviewed the results of the financial operations of the financial institution for the quarter and year ended December 31, 2016 and has concluded that this investment was appropriately valued at the acquisition cost of its most recent purchase, which was considered to be its fair value as of the measurement date.

Federal Home Loan Bank stock – The carrying amount of these assets approximates their fair value and are classified as Level 2.

Net loans – For variable-rate loans that re-price frequently, fair value is based on carrying amounts.  The fair value of other loans (for example, fixed-rate commercial real estate loans, mortgage loans, and commercial and industrial loans) is estimated using discounted cash flow analysis, based on interest rates currently being offered in the market for loans with similar terms to borrowers of similar credit quality.  Loan value estimates include judgments based on expected prepayment rates.  The measurement of the fair value of loans, including impaired loans, is classified within Level 3 of the fair value hierarchy.
 
Accrued interest receivable and payable – The carrying amount of these assets approximates their fair value and are classified as Level 1.

Deposits – The fair values disclosed for demand deposits (e.g., interest-bearing and noninterest-bearing checking, passbook savings and certain types of money management accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts) and are classified within Level 1 of the fair value hierarchy.  Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates of deposits to a schedule of aggregated expected monthly maturities on time deposits.  Measurements of the fair value of time deposits are classified within Level 2 of the fair value hierarchy.

Borrowings – Fixed/variable term "bullet" structures are valued using a replacement cost of funds approach.  These borrowings are discounted to the FHLBNY advance curve.  Option structured borrowings' fair values are determined by the FHLB for borrowings that include a call or conversion option.  If market pricing is not available from this source, current market indications from the FHLBNY are obtained and the borrowings are discounted to the FHLBNY advance curve less an appropriate spread to adjust for the option. These measurements are classified as Level 2 within the fair value hierarchy.
 

 
Subordinated Loans – The Company secures quotes from its pricing service based on a discounted cash flow methodology or utilizes observations of recent highly-similar transactions which result in a Level 2 classification.

Interest rate swap derivative – The fair value of the interest rate swap derivative is obtained from a third party pricing agent and is calculated based on a discounted cash flow model. All future floating cash flows are projected and both floating and fixed cash flows are discounted to the valuation date.  The curve utilized for discounting and projecting is built by obtaining publicly available third party market quotes for various swap maturity terms, and therefore is classified within Level 2 of the fair value hierarchy. The swap agreement presented in the accompanying financial statements expired in the second quarter of 2016 and was not renewed.

The carrying amounts and fair values of the Company's financial instruments as of December 31 are presented in the following table:

         
2016
    
2015
  
   
Fair Value
    
Carrying
    
Estimated
    
Carrying
    
Estimated
  
(In thousands)
  
Hierarchy
    
Amounts
    
Fair Values
    
Amounts
    
Fair Values
  
Financial assets:
                              
Cash and cash equivalents
    
1
    
$
22,419
    
$
22,419
    
$
15,245
    
$
15,245
  
Investment securities - available-for-sale
    
1
      
626
      
626
      
1,267
      
1,267
  
Investment securities - available-for-sale
    
2
      
140,873
      
140,873
      
97,362
      
97,362
  
Investment securities - available-for-sale
    
3
      
456
      
456
      
313
      
313
  
Investment securities - held-to-maturity
    
2
      
54,645
      
54,429
      
44,297
      
45,515
  
Federal Home Loan Bank stock
    
2
      
3,250
      
3,250
      
2,424
      
2,424
  
Net loans
    
3
      
485,900
      
484,704
      
424,732
      
428,410
  
Accrued interest receivable
    
1
      
2,532
      
2,532
      
2,053
      
2,053
  
                                         
Financial liabilities:
                                        
Demand Deposits, Savings, NOW and MMDA
    
1
    
$
421,627
    
$
421,627
    
$
343,853
    
$
343,853
  
Time Deposits
    
2
      
189,356
      
189,197
      
146,462
      
146,158
  
Borrowings
    
2
      
58,947
      
58,918
      
41,300
      
41,282
  
Subordinated loans
    
2
      
15,025
      
14,310
      
14,991
      
14,027
  
Accrued interest payable
    
1
      
75
      
75
      
199
      
199
  
Interest rate swap derivative
    
2
      
-
      
-
      
27
      
27
  

 
NOTE 23: PARENT COMPANY – FINANCIAL INFORMATION

The following represents the condensed financial information of Pathfinder Bancorp, Inc. as of and for the years ended December 31:

Statements of Condition
  
2016
    
2015
  
(In thousands)
            
Assets
            
Cash
  
$
5,424
    
$
21,418
  
Investments
    
455
      
358
  
Investment in bank subsidiary
    
67,281
      
64,519
  
Investment in non-bank subsidiary
    
155
      
155
  
Other assets
    
475
      
185
  
Total assets
  
$
73,790
    
$
86,635
  
Liabilities and Shareholders' Equity
                
Accrued liabilities
  
$
404
    
$
415
  
Subordinated loans
    
15,025
      
14,991
  
Shareholders' equity
    
58,361
      
71,229
  
Total liabilities and shareholders' equity
  
$
73,790
    
$
86,635
  
 
 
 

 
Statements of Income
  
2016
    
2015
  
(In thousands)
            
Income
            
Dividends from non-bank subsidiary
  
$
4
    
$
4
  
Realized gains on available-for sale investment securities
    
108
      
-
  
Total income
    
112
      
4
  
Expenses
                
Interest
    
880
      
300
  
Operating, net
    
230
      
248
  
Total expenses
    
1,110
      
548
  
Loss before taxes and equity in undistributed net income of subsidiaries
    
(998
)
    
(544
)
Tax benefit
    
254
      
162
  
Loss before equity in undistributed net income of subsidiaries
    
(744
)
    
(382
)
Equity in undistributed net income of subsidiaries
    
4,016
      
3,271
  
Net income
  
$
3,272
    
$
2,889
  


Statements of Cash Flows
  
2016
    
2015
  
(In thousands)
            
Operating Activities
            
Net Income
  
$
3,272
    
$
2,889
  
Equity in undistributed net income of subsidiaries
    
(4,016
)
    
(3,271
)
Realized gains on available-for-sale investment securities
    
(23
)
    
-
  
Stock based compensation and ESOP expense
    
557
      
354
  
Amortization of deferred financing from subordinated loan
    
34
      
-
  
Net change in other assets and liabilities
    
(152
)
    
95
  
Net cash flows from operating activities
    
(328
)
    
67
  
Investing Activities
                
Purchase investments
    
(130
)
    
(312
)
Net gain on hedging transaction
    
(85
)
    
-
  
Proceeds from sale of investment
    
43
      
-
  
Net cash flows from investing activities
    
(172
)
    
(312
)
Financing activities
                
Redemption of preferred stock - SBLF
    
(13,000
)
    
-
  
Proceeds from exercise of stock options
    
143
      
9
  
Proceeds from subordinated loan
    
-
      
9,836
  
Purchase of common stock
    
(1,755
)
    
-
  
Cash dividends paid to preferred shareholders
    
(16
)
    
(130
)
Cash dividends paid to common shareholders
    
(866
)
    
(609
)
Net cash flows from financing activities
    
(15,494
)
    
9,106
  
Change in cash and cash equivalents
    
(15,994
)
    
8,861
  
Cash and cash equivalents at beginning of year
    
21,418
      
12,557
  
Cash and cash equivalents at end of year
  
$
5,424
    
$
21,418
  

 
NOTE 24:  RELATED PARTY TRANSACTIONS

In the ordinary course of business, the Company has granted loans to certain directors, executive officers and their affiliates (collectively referred to as "related parties").  These loans were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other unaffiliated parties and do not involve more than normal risk of collectability.

The following represents the activity associated with loans to related parties during the year ended December 31, 2016:

(In thousands)
      
Balance at the beginning of the year
  
$
10,324
  
Originations and Officer additions
    
2,122
  
Principal payments
    
(1,562
)
Balance at the end of the year
  
$
10,884
  

Deposits of related parties at December 31, 2016 and December 31, 2015 were $3.4 million and $2.0 million, respectively.

NOTE 25:  CONVERSION AND REORGANIZATION

On October 16, 2014, the former Pathfinder Bancorp ("former Pathfinder") completed the conversion and reorganization pursuant to which Pathfinder Bancorp, MHC converted to the stock holding company form of organization under a "second step" conversion (the "Conversion"), and the Bank reorganized from the two-tier mutual holding company structure to the stock holding company structure.  Prior to the completion of the Conversion, the MHC owned approximately 60.4% of the common stock of the Company.  The Company, the new stock holding company for Pathfinder Bank, sold 2,636,053 shares of common stock at $10.00 per share, for gross offering proceeds of $26.4 million in its stock offering.  In addition, $197,000 in cash was received by the Company from the MHC upon it ceasing to exist.

Concurrent with the completion of the offering, shares of common stock of the Company owned by the public were exchanged for shares of the Company's common stock so that the shareholders now own approximately the same percentage of the Company's common stock as they owned of the former Pathfinder's common stock immediately prior to the Conversion.  Shareholders of the former Pathfinder received 1.6472 shares of the Company's common stock for each share of the former Pathfinder's common stock that they owned immediately prior to completion of the transaction.    As a result of the offering and the exchange of shares, the Company had 4,353,850 shares outstanding at December 31, 2014.  The Company has 4,353,850 and 4,236,744 shares outstanding at December 31, 2015 and December 31, 2016, respectively.

The Conversion was accounted for as a change in corporate form with no resulting change in the historical basis of the Company's assets, liabilities, and equity.  Costs related to the offering were primarily marketing fees paid to the Company's investment banking firm, legal and professional fees, registration fees, printing and mailing costs and totaled $1.5 million.  Accordingly, net proceeds were $24.9 million.  In addition, as part of the Conversion and dissolution of the MHC, the Company received $197,000 of cash previously held by the MHC.  As a result of the Conversion and Offering, Pathfinder Bancorp, Inc., a federal corporation, was succeeded by a new fully public Maryland corporation with the same name and the MHC ceased to exist.

The shares of common stock sold in the offering and issued began trading on the NASDAQ Capital Market on October 17, 2014 under the trading symbol "PBHC."

In accordance with Board of Governors of the Federal Reserve System regulations, at the time of the reorganization, the Company substantially restricted retained earnings by establishing a liquidation account.  The liquidation account will be maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion.  The Bank will establish a parallel liquidation account to support the Company's liquidation account in the event the Company does not have sufficient assets to fund its obligations under its liquidation account.  The liquidation accounts will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits.  Subsequent increases will not restore an eligible account holder's interest in the liquidation accounts.  In the event of a complete liquidation of the Bank or the Company, each account holder will be entitled to receive a distribution in an amount proportionate to the adjusted qualifying account balances then held.
 
 

The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.

NOTE 26: ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

Changes in the components of accumulated other comprehensive income (loss) ("AOCI"), net of tax, for the periods indicated are summarized in the table below.

   
For the years ended December 31, 2016
  
(In thousands)
  
Retirement Plans
    
Unrealized Gains and Losses on Financial derivative
    
Unrealized Gains and Losses on Available-for-Sale Securities
    
Unrealized Loss on Securities
Transferred to
Held-to-Maturity
    
Total
  
Beginning balance
  
$
(1,844
)
  
$
(16
)
  
$
(51
)
  
$
(654
)
  
$
(2,565
)
Other comprehensive income before reclassifications
    
198
      
1
      
(1,436
)
    
190
      
(1,045
)
Amounts reclassified from AOCI
    
133
      
15
      
(358
)
    
-
      
(212
)
Ending balance
  
$
(1,513
)
  
$
-
    
$
(1,845
)
  
$
(464
)
  
$
(3,822
)


   
For the years ended December 31, 2015
  
(In thousands)
  
Retirement Plans
    
Unrealized Gains and Losses on Financial derivative
    
Unrealized Gains and Losses on Available-for-Sale Securities
    
Unrealized Loss on Securities Transferred to Held-to-Maturity
    
Total
  
Beginning balance
  
$
(1,794
)
  
$
(49
)
  
$
457
    
$
(733
)
  
$
(2,119
)
Other comprehensive (loss) income before reclassifications
    
(161
)
    
(4
)
    
(255
)
    
79
      
(341
)
Amounts reclassified from AOCI
    
111
      
37
      
(253
)
    
-
      
(105
)
Ending balance
  
$
(1,844
)
  
$
(16
)
  
$
(51
)
  
$
(654
)
  
$
(2,565
)




The following table presents the amounts reclassified out of each component of AOCI for the indicated annual period:

(In thousands)
  
For the years ended
    
Details about AOCI1 components
  
December 31, 2016
    
December 31, 2015
  
Affected Line Item in the Statement of Income
                  
Unrealized holding gain on financial derivative:
                
Reclassification adjustment for
                
   interest expense included in net income
  
$
(25
)
  
$
(61
)
Interest on long term borrowings
     
10
      
24
  
Provision for income taxes
   
$
(15
)
  
$
(37
)
Net Income
Retirement plan items
                    
Retirement plan net losses
                    
   recognized in plan expenses2
  
$
(222
)
  
$
(185
)
Salaries and employee benefits
     
89
      
74
  
Provision for income taxes
   
$
(133
)
  
$
(111
)
Net Income
                      
Available-for-sale securities
                    
Realized gain on sale of securities
  
$
594
    
$
422
  
Net gains on sales and redemptions of investment securities
     
(236
)
    
(169
)
Provision for income taxes
     
358
      
253
  
Net Income
                      
1 Amounts in parentheses indicates debits in net income.
2 These items are included in net periodic pension cost.
   See Note 14 for additional information.
                    


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

None.

ITEM 9A: CONTROLS AND PROCEDURES

REPORT OF MANAGEMENT'S RESPONSIBILITY

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

MANAGEMENT'S REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING

Management's report on internal control over financial reporting is contained in "Item 8 – Financial Statements and Supplementary Data" in this annual report in Form 10-K.

This annual report does not include an attestation report of the Company's independent registered public accounting firm regarding internal control over financial reporting pursuant to the rules of the SEC that exempts the Company from such attestation and requires only management's report.
 
 
CHANGES IN INTERNAL CONTROL OVER FINANCIAL REPORTING

There were no changes in the Company's internal control over financial reporting that occurred during the Company's last fiscal quarter that have materially affected, or are reasonably likely to materially affect, the Company's internal control over financial reporting.

ITEM 9B: OTHER INFORMATION

None.
PART III

ITEM 10: DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE

(a)
Information concerning the directors of the Company is incorporated herein by reference to Proposal 1 of the Company's Proxy Statement for the Annual Meeting of Shareholders.
(b)
Information concerning the officers and directors compliance with Section 16(a) of the Securities Exchange Act is incorporated herein by reference to the Company's Proxy Statement for the Annual Meeting of Shareholders under the caption "Section 16(a) Beneficial Ownership Reporting Compliance".
(c)
Information concerning the Company's Code of Ethics is incorporated herein by reference to the Company's Proxy Statement for the Annual Meeting of Shareholders under the caption "Code of Ethics".
(d)
Information concerning the Company's Audit Committee and "financial expert" thereof is incorporated herein by reference to the Company's Proxy Statement for the Annual Meeting of Shareholders under the caption "Audit Committee".
(e)
Set forth below is information concerning the Executive Officers of the Company at December 31, 2016.
Name
Age
Positions Held With the Company
Thomas W. Schneider
55
President and Chief Executive Officer
James A. Dowd, CPA
49
Executive Vice President, Chief Operating Officer and Chief Financial Officer
Ronald Tascarella
58
Executive Vice President, Chief Credit Officer
Edward A. Mervine
60
Senior Vice President, General Counsel
Melissa A. Miller
59
Senior Vice President, Customer Experience Officer
Daniel Phillips
52
Senior Vice President, Chief Information Officer

ITEM 11: EXECUTIVE COMPENSATION

(a)
Information with respect to management compensation and transactions required under this item is incorporated by reference hereunder in the Company's Proxy Materials for the Annual Meeting of Shareholders under the caption "Compensation Committee".
(b)
Information concerning director compensation is incorporated herein by reference to the Company's Proxy Statement for the Annual Meeting of Shareholders under the caption "Directors Compensation".
ITEM 12: SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS

The information required by this item is incorporated by reference hereunder in the Company's Proxy Materials for the Annual Meeting of Shareholders under the caption "Voting Securities and Principal Holders Thereof."

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

The information required by this item is incorporated by reference hereunder in the Company's Proxy Materials for the Annual Meeting of Shareholders under the captions "Independence and Diversity of Directors" and "Transactions with Certain Related Persons".

ITEM 14: PRINCIPAL ACCOUNTING FEES AND SERVICES

The information required by this item is incorporated by reference hereunder in the Company's Proxy Materials for the Annual Meeting of Shareholders under the caption "Audit and Related Fees".
PART IV
 
ITEM 15: EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

 
(a)(1)
 
Financial Statements - The Company's consolidated financial statements, for the years ended December 31, 2016 and 2015, together with the Report of Independent Registered Public Accounting Firm are filed as part of this Form 10-K report.  See "Item 8: Financial Statements and Supplementary Data."
 
(a)(2)
Financial Statement Schedules - All financial statement schedules have been omitted as the required information is inapplicable or has been included in "Item 7: Management Discussion and Analysis."
 
(b)
Exhibits
 
3.1
Articles of Incorporation of Pathfinder Bancorp, Inc. (Incorporated herein by reference to Exhibit 3.1 to Pathfinder Bancorp, Inc.'s Registration Statement on Form S-1, file no. 333-196676, originally filed on June 11, 2014)
 
3.2
Bylaws of Pathfinder Bancorp, Inc. (Incorporated herein by reference to Exhibit 3.2 to Pathfinder Bancorp, Inc.'s Registration Statement on Form S-1, file no. 333-196676, filed on June 11, 2014)
 
4.1
Form of Stock Certificate of Pathfinder Bancorp, Inc. (Incorporated herein by reference to Exhibit 4 to Pathfinder Bancorp, Inc.'s  Registration Statement on Form S-1, file no. 333-196676, filed on June 11, 2014)
 
4.2
Indenture between Pathfinder Bancorp, Inc., a federal corporation, and Wilmington Trust Company, as trustee, dated March 22, 2007 (Incorporated herein by reference to Exhibit 4.1 to Pathfinder Bancorp, Inc.'s Current Report on Form 8-K, file no. 001-36695, filed on October 22, 2014)
 
4.3
Supplemental Indenture between Pathfinder Bancorp, Inc. and Wilmington Trust Company, as trustee, dated October 16, 2014 (Incorporated herein by reference to Exhibit 4.2 to Pathfinder Bancorp, Inc.'s Current Report on Form 8-K, file no. 001-36695, filed on October 22, 2014)
 
10.1
Pathfinder Bank 1997 Stock Option Plan (Incorporated herein by reference to Appendix A to Pathfinder Bancorp, Inc's Registration Statement on Form S-4, file no. 333-36051, filed on September 19, 1997)
 
10.3
2003 Executive Deferred Compensation Plan (Incorporated herein by reference to the Company's Annual Report on Form 10-K for the year ended December 31, 2008 file no. 000-23601, filed on March 27, 2009)
 
10.4
2003 Trustee Deferred Fee Plan (Incorporated herein by reference to the Company's Annual Report on Form 10-K for the year ended December 31, 2008 file no. 000-23601, filed on March 27, 2009)
 
10.5
Employment Agreement between Pathfinder Bank and Thomas W. Schneider, President and Chief Executive Officer (Incorporated by reference to Exhibit 10.5 to Pathfinder Bancorp, Inc.'s Annual Report on Form 10-K for the year ended December 31, 2008, file no. 000-23601, filed on March 27, 2009)
 
10.6
 
 
Employment Agreement between Pathfinder Bank and Edward A. Mervine, Vice President, General Counsel and Secretary (Incorporated by reference to Exhibit 10.6 to Pathfinder Bancorp, Inc.'s Annual Report on Form 10-K for the year ended December 31, 2008, file no. 000-23601, filed on March 27, 2009)
 
 
 
 
10.7
Change of Control Agreement between Pathfinder Bank and Ronald Tascarella (Incorporated by reference to Exhibit 10.7 to Pathfinder Bancorp, Inc.'s Annual Report on Form 10-K for the year ended December 31, 2008, file no. 000-23601, filed on March 27, 2009)
 
10.8
Change of Control Agreement between Pathfinder Bank and James A. Dowd (Incorporated by reference to Exhibit 10.8 to Pathfinder Bancorp, Inc.'s Annual Report on Form 10-K for the year ended December 31, 2008, file no. 000-23601, filed on March 27, 2009)
 
10.9
Change of Control Agreement between Pathfinder Bank and Melissa A. Miller (Incorporated by reference to Exhibit 10.9 to Pathfinder Bancorp, Inc.'s Annual Report on Form 10-K for the year ended December 31, 2008, file no. 000-23601, filed on March 27, 2009)
 
10.10
Executive Supplemental Retirement Agreement between Pathfinder Bank and Thomas W. Schneider (Incorporated by reference to Exhibit 10.11 to Pathfinder Bancorp, Inc.'s Annual Report on Form 10-K for the year ended December 31, 2008, file no. 000-23601, filed on March 27, 2009)
 
10.11
 Executive Supplemental Retirement Agreement between the Bank and Thomas W. Schneider (Incorporated by reference to the Company's Annual Report on Form 10-K for the year ended December 31, 2008 file no. 000-23601, filed on March 27, 2009)
 
10.12
Executive Supplemental Retirement Plan Agreement between Pathfinder Bank and Thomas W. Schneider effective February 24, 2014 (Incorporated by reference to Exhibit 10.13 to Pathfinder Bancorp, Inc.'s Current Report Form 8-K, file no. 000-23601, filed on February 25, 2014)
 
10.13
Executive Supplemental Retirement Plan Agreement between Pathfinder Bank and Edward A. Mervine effective February 24, 2014 (Incorporated by reference to Exhibit 10.14 to Pathfinder Bancorp, Inc.'s Current Report Form 8-K, file no. 000-23601, filed on February 25, 2014)
 
10.14
Executive Supplemental Retirement Plan Agreement between Pathfinder Bank and James A. Dowd effective February 24, 2014 (Incorporated by reference to Exhibit 10.15 to Pathfinder Bancorp, Inc.'s Current Report Form 8-K, file no. 000-23601, filed on February 25, 2014)
 
10.15
Amended and Restated Declaration of Trust among Pathfinder Bancorp, Inc., a federal corporation, as Sponsor, Wilmington Trust Company, as Delaware and Institutional Trustee, and the administrative trustees of the Pathfinder Statutory Trust II (Incorporated herein by reference to Exhibit 10.1 to Pathfinder Bancorp, Inc.'s Current Report on Form 8-K, file no. 001-36695,  filed on October 22, 2014)
 
10.17
 
Amendment two to the Trustee Deferral Fee Plan (Incorporated by reference to Exhibit 10.17 to Pathfinder Bancorp, Inc.'s  Annual Report on Form 10-K, filed on March 13, 2015)
 
10.18
Amendment one to the Executive Deferral Compensation Plan (Incorporated by reference to Exhibit 10.18 to Pathfinder Bancorp, Inc.'s  Annual Report on Form 10-K,filed on March 13, 2015)
 
10.19
Amendment one to the Supplemental Executive Retirement Plan (Incorporated by reference to Exhibit 10.19 to Pathfinder Bancorp, Inc.'s  Annual Report on Form 10-K, filed on March 13, 2015)
 
10.20
Subordinated Loan Agreement (Incorporated herein by reference to Pathfinder Bancorp, Inc.'s Current Report on Form 8-K, file no. 001-36695, filed on October 19, 2015)
 
14
Code of Ethics (Incorporated by reference to Exhibit 14 to Pathfinder Bancorp, Inc.'s Annual Report on Form 10-K for the year ended December 31, 2003, file no. 000-23601, filed on March 31, 2004)
 
 
 
 
21
Subsidiaries of Registrant (Incorporated herein by reference to Exhibit 21 to Pathfinder Bancorp, Inc.'s Registration Statement on Form S-1, file no. 333-196676, filed on June 11, 2014)
23
Consent of Bonadio & Co., LLP
31.1
Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
31.2
Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
32
Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
101
Interactive data files pursuant to Rule 405 of Regulation S-T: (i) the Consolidated Statements of Condition as of December 31, 2016 and 2015, (ii) the Consolidated Statements of Income for the years ended December 31, 2016 and 2015, (iii) the Consolidated Statements of Comprehensive Income for the years ended December 31, 2016 and 2015, (iv) the Consolidated Statements of Changes in Shareholders' Equity for the years ended December 31, 2016 and 2015, (v) the Consolidated Statements of Cash Flows for the years ended December 31, 2016 and 2015, and (vi) the Notes to the Consolidated Financial Statements

 
ITEM 16: FORM 10-K SUMMARY

None.

Signatures

Pursuant to the requirements of Section 13 of the Securities Exchange Act of 1934, the Company has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
 
 
Pathfinder Bancorp, Inc.
 
Date:
March 31, 2017
By:
/s/ Thomas W. Schneider
Thomas W. Schneider
President and Chief Executive Officer
 
Pursuant to the requirements of the Securities Exchange of 1934, this report has been signed below by the following persons on behalf of the Registrant and in the capacities and on the dates indicated.

By:
  
/s/ Thomas W. Schneider
By:
  
/s/ James A. Dowd
   
Thomas W. Schneider, President and
Chief Executive Officer
    
James A. Dowd, Executive Vice President, Chief Operating Officer and
 Chief Financial Officer 
   
(Principal Executive Officer)
    
(Principal Financial Officer)
Date:
  
March 31, 2017
Date:
  
March 31, 2017
           
           
By:
  
/s/ Lloyd Stemple
By:
  
/s/ Lisa A. Kimball
   
Lloyd Stemple, Director
    
Lisa A. Kimball, Vice President and
Date:
  
March 31, 2017
    
Controller (Principal Accounting Officer)
     
Date:
  
March 31, 2017
           
           
By:
  
/s/John P. Funiciello
By:
  
/s/ William A. Barclay
   
John Funiciello, Director
    
William A. Barclay, Director
Date:
  
March 31, 2017
Date:
  
March 31, 2017
           
           
By:
  
/s/ David A. Ayoub
By:
  
/s/ Chris R. Burritt
   
David A. Ayoub, Director
    
Chris R. Burritt, Director
Date:
  
March 31, 2017
Date:
  
March 31, 2017
           
           
By:
  
/s/ George P. Joyce
By:
  
/s/ John F. Sharkey
   
George P. Joyce, Director
    
John F. Sharkey, Director
Date:
  
March 31, 2017
Date:
  
March 31, 2017
           
           
           
By:
  
/s/ Adam C. Gagas
By:
  
/s/ Melanie Littlejohn
   
Adam C. Gagas, Director
    
Melanie Littlejohn, Director
Date:
  
March 31, 2017
Date:
  
March  30, 2017
           
           
           
           
           
           



EXHIBIT 21:  SUBSIDIARIES OF THE COMPANY

Company
Owned by
Percent Owned
Jurisdiction or State of Incorporation
Pathfinder Bank
Pathfinder Bancorp, Inc.
100%
New York
Pathfinder Statutory Trust II
Pathfinder Bancorp, Inc.
100%
Delaware
Pathfinder REIT, Inc.
Pathfinder Bank
100%
New York
Whispering Oaks Development Corp.
Pathfinder Bank
100%
New York
Pathfinder Risk Management Company Inc.
Pathfinder Bank
100%
New York
 

 
EXHIBIT 23: CONSENT OF BONADIO & CO., LLP

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Pathfinder Bancorp, Inc.
Oswego, New York

We hereby consent to the incorporation by reference in this Annual Report on Form 10-K of Pathfinder Bancorp, Inc. and subsidiaries for the year ended December 31, 2016 our report dated March 31, 2017 included in its Registration Statement on Form S-8 (No. 333-202081) relating to the consolidated financial statements for the year ended December 31, 2016.


/s/ Bonadio & Co., LLP
Bonadio & Co., LLP
Syracuse, New York
March 31, 2017


 
 EX-31.1 2 exh31_1.htm EXHIBIT 31.1 CERTIFICATION OF ECO

EXHIBIT 31.1: Rule 13a-14(a) / 15d-14(a) Certification of the Chief Executive Officer

Certification of Chief Executive Officer
 
Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
 
I,  Thomas W. Schneider, President and Chief Executive Officer, certify that:
 
1. I have reviewed this Annual report on Form 10-K of Pathfinder Bancorp, Inc.;
 
  
2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a   material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
 
  
3. Based on my knowledge, the consolidated financial statements, and other financial information included in this report, fairly present in all material respects the consolidated financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
 
  
4. The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:
 
  
 
(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting, to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of consolidated financial statements for external purposes in accordance with generally accepted accounting principles;
 
(c) Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
 
(d) Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and
 
5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors:
 
  
 
(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and
 
(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.
 
March 31, 2017
/s/ Thomas W. Schneider
Thomas W. Schneider
President and Chief Executive Officer
  
EX-31.2 3 ex31_2.htm EXHIBIT 31.2 CERTIFICATION OF THE CFO

 EXHIBIT 31.2: Rule 13a-14(a) / 15d-14(a) Certification of the Chief Financial Officer

Certification of Chief Financial Officer
 
Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
 
I,  James A. Dowd, Executive Vice President, Chief Operating Officer and Chief Financial Officer, certify that:
 
1. I have reviewed this Annual report on Form 10-K of Pathfinder Bancorp, Inc.;
 
  
2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
 
  
3. Based on my knowledge, the consolidated financial statements, and other financial information included in this report, fairly present in all material respects the consolidated financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
 
  
4. The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:
 
  
 
(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting, to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of consolidated financial statements for external purposes in accordance with generally accepted accounting principles;
 
(c) Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
 
(d) Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and
 
5.   The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors:
 
  
 
(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and
 
(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.
 
March 31, 2017
/s/ James A. Dowd
James A. Dowd
Executive Vice President, Chief Operating Officer and Chief Financial Officer
  
EX-32 4 ex32.htm EXHIBIT 32 CERTIFICATION OF THE CEO AND THE CFO

EXHIBIT 32  Section 1350 Certification of the Chief Executive and Chief Financial Officers

Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
 
Thomas W. Schneider, President and Chief Executive Officer, and James A. Dowd, Executive Vice President, Chief Operating Officer and Chief Financial Officer of Pathfinder Bancorp, Inc. (the "Company"), each certify in his capacity as an officer of the Company that he has reviewed the Annual Report of the Company on Form 10-K for the year ended December 31, 2016 and that to the best of his knowledge:
 
1. the report fully complies with the requirements of Sections 13(a) of the Securities Exchange Act of 1934; and
 
2. the information contained in the report fairly presents, in all material respects, the consolidated financial condition and results of operations of the Company.
 
The purpose of this statement is solely to comply with Title 18, Chapter 63, Section 1350 of the United States Code, as amended by Section 906 of the Sarbanes-Oxley Act of 2002.
 
March 31, 2017
/s/ Thomas W. Schneider
Thomas W. Schneider
President and Chief Executive Officer
 
March 31, 2017
/s/ James A. Dowd
James A. Dowd
Executive Vice President, Chief Operating Officer and Chief Financial Officer
EX-101.INS 5 pbhc-20161231.xml XBRL INSTANCE DOCUMENT 0001609065 2016-01-01 2016-12-31 0001609065 2016-06-30 0001609065 2017-03-15 0001609065 2016-12-31 0001609065 2015-12-31 0001609065 pbhc:PreferredStockSblfMember 2015-12-31 0001609065 pbhc:PreferredStockSblfMember 2016-12-31 0001609065 2015-01-01 2015-12-31 0001609065 us-gaap:PreferredStockMember 2015-12-31 0001609065 us-gaap:AdditionalPaidInCapitalMember 2015-12-31 0001609065 us-gaap:NoncontrollingInterestMember 2014-12-31 0001609065 us-gaap:NoncontrollingInterestMember 2015-12-31 0001609065 us-gaap:RetainedEarningsMember 2014-12-31 0001609065 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2015-12-31 0001609065 us-gaap:CommonStockMember 2015-12-31 0001609065 us-gaap:AdditionalPaidInCapitalMember 2014-12-31 0001609065 2014-12-31 0001609065 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2014-12-31 0001609065 us-gaap:RetainedEarningsMember 2015-12-31 0001609065 pbhc:UnearnedEsopMember 2015-12-31 0001609065 us-gaap:CommonStockMember 2014-12-31 0001609065 us-gaap:PreferredStockMember 2014-12-31 0001609065 pbhc:UnearnedEsopMember 2014-12-31 0001609065 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2016-01-01 2016-12-31 0001609065 us-gaap:PreferredStockMember 2015-01-01 2015-12-31 0001609065 us-gaap:CommonStockMember 2015-01-01 2015-12-31 0001609065 us-gaap:CommonStockMember 2016-01-01 2016-12-31 0001609065 pbhc:UnearnedEsopMember 2015-01-01 2015-12-31 0001609065 us-gaap:RetainedEarningsMember 2016-01-01 2016-12-31 0001609065 us-gaap:RetainedEarningsMember 2015-01-01 2015-12-31 0001609065 pbhc:UnearnedEsopMember 2016-01-01 2016-12-31 0001609065 us-gaap:AdditionalPaidInCapitalMember 2015-01-01 2015-12-31 0001609065 us-gaap:NoncontrollingInterestMember 2015-01-01 2015-12-31 0001609065 us-gaap:NoncontrollingInterestMember 2016-01-01 2016-12-31 0001609065 us-gaap:PreferredStockMember 2016-01-01 2016-12-31 0001609065 us-gaap:AdditionalPaidInCapitalMember 2016-01-01 2016-12-31 0001609065 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2015-01-01 2015-12-31 0001609065 us-gaap:AdditionalPaidInCapitalMember 2016-12-31 0001609065 us-gaap:NoncontrollingInterestMember 2016-12-31 0001609065 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2016-12-31 0001609065 us-gaap:RetainedEarningsMember 2016-12-31 0001609065 us-gaap:PreferredStockMember 2016-12-31 0001609065 us-gaap:CommonStockMember 2016-12-31 0001609065 pbhc:UnearnedEsopMember 2016-12-31 0001609065 us-gaap:ParentCompanyMember 2016-01-01 2016-12-31 0001609065 pbhc:EsopMember us-gaap:ParentCompanyMember 2014-10-16 2014-10-16 0001609065 us-gaap:ParentCompanyMember 2016-12-31 0001609065 us-gaap:ParentCompanyMember 2014-10-16 2014-10-16 0001609065 us-gaap:MaximumMember us-gaap:EquipmentMember 2016-01-01 2016-12-31 0001609065 us-gaap:MaximumMember us-gaap:BuildingAndBuildingImprovementsMember 2016-01-01 2016-12-31 0001609065 2016-10-01 2016-12-31 0001609065 us-gaap:EmployeeStockOptionMember 2016-01-01 2016-12-31 0001609065 us-gaap:EmployeeStockOptionMember 2015-01-01 2015-12-31 0001609065 us-gaap:CorporateDebtSecuritiesMember 2016-12-31 0001609065 us-gaap:CollateralizedMortgageObligationsMember 2015-12-31 0001609065 us-gaap:CollateralizedMortgageObligationsMember 2016-12-31 0001609065 us-gaap:USTreasuryAndGovernmentMember 2016-12-31 0001609065 us-gaap:DebtSecuritiesMember 2015-12-31 0001609065 pbhc:CollateralizedMortgageObligationsOfPrivateLabelMember 2016-12-31 0001609065 us-gaap:AssetBackedSecuritiesMember 2015-12-31 0001609065 us-gaap:USTreasuryAndGovernmentMember 2015-12-31 0001609065 us-gaap:USStatesAndPoliticalSubdivisionsMember 2015-12-31 0001609065 us-gaap:CorporateDebtSecuritiesMember 2015-12-31 0001609065 us-gaap:DebtSecuritiesMember 2016-12-31 0001609065 us-gaap:AssetBackedSecuritiesMember 2016-12-31 0001609065 us-gaap:USStatesAndPoliticalSubdivisionsMember 2016-12-31 0001609065 pbhc:AssetBackedSecuritieMember 2016-12-31 0001609065 pbhc:MutualFundsUltraShortMortgageFundsMember 2015-12-31 0001609065 pbhc:MutualFundsLargeCapEquityFundMember 2015-12-31 0001609065 pbhc:EquityAndOtherInvestmentsMember 2016-12-31 0001609065 pbhc:MutualFundsUltraShortMortgageFundsMember 2016-12-31 0001609065 pbhc:EquityAndOtherInvestmentsMember 2015-12-31 0001609065 pbhc:MutualFundsCommonStockFinancialServicesIndustryMember 2015-12-31 0001609065 pbhc:MutualFundsCommonStockFinancialServicesIndustryMember 2016-12-31 0001609065 pbhc:AssetBackedSecuritieMember 2015-12-31 0001609065 pbhc:CollateralizedMortgageObligationsOfPrivateLabelMember 2015-12-31 0001609065 pbhc:SevenPrivateLabelMortgageBackedSecuritiesMember 2016-12-31 0001609065 pbhc:FivePrivateLabelAssetBackedSecuritiesMember 2016-12-31 0001609065 us-gaap:MunicipalBondsMember 2016-01-01 2016-12-31 0001609065 us-gaap:AssetBackedSecuritiesMember 2016-12-31 0001609065 us-gaap:USTreasuryAndGovernmentMember 2015-12-31 0001609065 pbhc:CollateralizedMortgageObligationsOfUsAgencyMember 2015-12-31 0001609065 us-gaap:AssetBackedSecuritiesMember 2015-12-31 0001609065 us-gaap:USTreasuryAndGovernmentMember 2016-12-31 0001609065 us-gaap:CorporateDebtSecuritiesMember 2015-12-31 0001609065 us-gaap:FixedIncomeSecuritiesMember 2016-12-31 0001609065 pbhc:CollateralizedMortgageObligationsOfUsAgencyMember 2016-12-31 0001609065 us-gaap:USStatesAndPoliticalSubdivisionsMember 2016-12-31 0001609065 us-gaap:CorporateDebtSecuritiesMember 2016-12-31 0001609065 us-gaap:USStatesAndPoliticalSubdivisionsMember 2015-12-31 0001609065 pbhc:CollateralizedMortgageObligationsOfPrivateLabelMember 2016-12-31 0001609065 pbhc:CollateralizedMortgageObligationsOfPrivateLabelMember 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember pbhc:HomeEquityAndJuniorLiensMember 2016-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember 2015-12-31 0001609065 pbhc:TaxExemptLoansMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember pbhc:OtherCommercialAndIndustrialMember 2016-12-31 0001609065 us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember 2015-12-31 0001609065 pbhc:FamilyFirstLienResidentialMortgages1To4Member us-gaap:ResidentialPortfolioSegmentMember 2015-12-31 0001609065 pbhc:OtherConsumerFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember pbhc:LinesOfCreditMember 2015-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember pbhc:FamilyFirstLienResidentialMortgages1To4Member 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember pbhc:LinesOfCreditMember 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:RealEstateLoanMember 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 pbhc:TaxExemptLoansMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember pbhc:OtherCommercialAndIndustrialMember 2015-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember pbhc:HomeEquityAndJuniorLiensMember 2015-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember pbhc:OtherConsumerFinancingReceivableMember 2016-12-31 0001609065 pbhc:ResidentialMortgageLoansMember 2016-12-31 0001609065 pbhc:ResidentialMortgageLoansMember 2015-12-31 0001609065 us-gaap:RealEstateLoanMember 2015-01-01 2015-12-31 0001609065 us-gaap:RealEstateLoanMember 2016-01-01 2016-12-31 0001609065 us-gaap:SpecialMentionMember 2015-01-01 2015-12-31 0001609065 us-gaap:SpecialMentionMember 2016-01-01 2016-12-31 0001609065 us-gaap:SubstandardMember 2015-01-01 2015-12-31 0001609065 us-gaap:SubstandardMember 2016-01-01 2016-12-31 0001609065 pbhc:ResidentialMortgageAndConsumerLoansMember 2015-01-01 2015-12-31 0001609065 pbhc:ResidentialMortgageAndConsumerLoansMember 2016-01-01 2016-12-31 0001609065 pbhc:LinesOfCreditMember us-gaap:SpecialMentionMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:PassMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 pbhc:OtherConsumerFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember us-gaap:SubstandardMember 2015-12-31 0001609065 us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:DoubtfulMember 2016-12-31 0001609065 us-gaap:SpecialMentionMember us-gaap:ConsumerPortfolioSegmentMember pbhc:HomeEquityAndJuniorLiensMember 2016-12-31 0001609065 us-gaap:SubstandardMember 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:SpecialMentionMember pbhc:OtherCommercialAndIndustrialMember 2016-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember us-gaap:DoubtfulMember 2016-12-31 0001609065 us-gaap:DoubtfulMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:RealEstateLoanMember us-gaap:SpecialMentionMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:SpecialMentionMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:SpecialMentionMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember pbhc:FamilyFirstLienResidentialMortgages1To4Member us-gaap:SpecialMentionMember 2016-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PassMember 2015-12-31 0001609065 us-gaap:SubstandardMember us-gaap:ConsumerPortfolioSegmentMember pbhc:HomeEquityAndJuniorLiensMember 2015-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember us-gaap:SubstandardMember 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:SubstandardMember 2015-12-31 0001609065 pbhc:TaxExemptLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:DoubtfulMember 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:RealEstateLoanMember us-gaap:DoubtfulMember 2015-12-31 0001609065 us-gaap:SubstandardMember pbhc:OtherConsumerFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember 2016-12-31 0001609065 pbhc:FamilyFirstLienResidentialMortgages1To4Member us-gaap:ResidentialPortfolioSegmentMember us-gaap:DoubtfulMember 2016-12-31 0001609065 pbhc:OtherConsumerFinancingReceivableMember us-gaap:DoubtfulMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:DoubtfulMember pbhc:FamilyFirstLienResidentialMortgages1To4Member us-gaap:ResidentialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:ConstructionLoansMember us-gaap:SpecialMentionMember us-gaap:ResidentialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember pbhc:TaxExemptLoansMember us-gaap:PassMember 2016-12-31 0001609065 pbhc:OtherConsumerFinancingReceivableMember us-gaap:PassMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:PassMember pbhc:FamilyFirstLienResidentialMortgages1To4Member us-gaap:ResidentialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:SubstandardMember pbhc:OtherCommercialAndIndustrialMember 2016-12-31 0001609065 us-gaap:PassMember 2016-12-31 0001609065 us-gaap:SpecialMentionMember 2016-12-31 0001609065 us-gaap:SpecialMentionMember us-gaap:ConsumerPortfolioSegmentMember pbhc:OtherConsumerFinancingReceivableMember 2016-12-31 0001609065 us-gaap:SpecialMentionMember 2015-12-31 0001609065 us-gaap:PassMember us-gaap:ConsumerPortfolioSegmentMember pbhc:HomeEquityAndJuniorLiensMember 2016-12-31 0001609065 us-gaap:DoubtfulMember us-gaap:ConsumerPortfolioSegmentMember pbhc:HomeEquityAndJuniorLiensMember 2016-12-31 0001609065 us-gaap:PassMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:ConstructionLoansMember us-gaap:PassMember us-gaap:ResidentialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember us-gaap:SubstandardMember 2016-12-31 0001609065 pbhc:OtherCommercialAndIndustrialMember us-gaap:SubstandardMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:SubstandardMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 pbhc:HomeEquityAndJuniorLiensMember us-gaap:DoubtfulMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember pbhc:OtherConsumerFinancingReceivableMember us-gaap:SpecialMentionMember 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:PassMember pbhc:OtherCommercialAndIndustrialMember 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:SubstandardMember us-gaap:RealEstateLoanMember 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:PassMember pbhc:LinesOfCreditMember 2015-12-31 0001609065 us-gaap:DoubtfulMember us-gaap:ResidentialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:DoubtfulMember us-gaap:ResidentialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PassMember pbhc:HomeEquityAndJuniorLiensMember 2015-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember us-gaap:SubstandardMember 2015-12-31 0001609065 us-gaap:DoubtfulMember 2015-12-31 0001609065 us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:SpecialMentionMember 2016-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember us-gaap:SubstandardMember pbhc:HomeEquityAndJuniorLiensMember 2016-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember us-gaap:PassMember pbhc:OtherConsumerFinancingReceivableMember 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember pbhc:OtherCommercialAndIndustrialMember us-gaap:SpecialMentionMember 2015-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember us-gaap:SubstandardMember 2015-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember pbhc:FamilyFirstLienResidentialMortgages1To4Member us-gaap:SpecialMentionMember 2015-12-31 0001609065 pbhc:FamilyFirstLienResidentialMortgages1To4Member us-gaap:SubstandardMember us-gaap:ResidentialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember us-gaap:PassMember 2015-12-31 0001609065 us-gaap:SubstandardMember us-gaap:CommercialPortfolioSegmentMember pbhc:LinesOfCreditMember 2016-12-31 0001609065 us-gaap:ConstructionLoansMember us-gaap:PassMember us-gaap:ResidentialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember pbhc:OtherCommercialAndIndustrialMember us-gaap:DoubtfulMember 2015-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember us-gaap:SpecialMentionMember 2015-12-31 0001609065 pbhc:TaxExemptLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:SubstandardMember 2015-12-31 0001609065 pbhc:TaxExemptLoansMember us-gaap:SubstandardMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 pbhc:HomeEquityAndJuniorLiensMember us-gaap:ConsumerPortfolioSegmentMember us-gaap:SpecialMentionMember 2015-12-31 0001609065 pbhc:FamilyFirstLienResidentialMortgages1To4Member us-gaap:ResidentialPortfolioSegmentMember us-gaap:PassMember 2015-12-31 0001609065 us-gaap:DoubtfulMember pbhc:LinesOfCreditMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember us-gaap:SubstandardMember pbhc:FamilyFirstLienResidentialMortgages1To4Member 2016-12-31 0001609065 us-gaap:ConstructionLoansMember us-gaap:SubstandardMember us-gaap:ResidentialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:SpecialMentionMember us-gaap:ResidentialPortfolioSegmentMember 2016-12-31 0001609065 pbhc:LinesOfCreditMember us-gaap:PassMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:SpecialMentionMember pbhc:LinesOfCreditMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:DoubtfulMember us-gaap:CommercialPortfolioSegmentMember pbhc:OtherCommercialAndIndustrialMember 2016-12-31 0001609065 us-gaap:PassMember us-gaap:ConsumerPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:SubstandardMember pbhc:LinesOfCreditMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:DoubtfulMember pbhc:TaxExemptLoansMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:SpecialMentionMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:ConstructionLoansMember us-gaap:SpecialMentionMember us-gaap:ResidentialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember us-gaap:SpecialMentionMember 2016-12-31 0001609065 us-gaap:DoubtfulMember 2016-12-31 0001609065 us-gaap:PassMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:SpecialMentionMember pbhc:TaxExemptLoansMember 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:RealEstateLoanMember us-gaap:SubstandardMember 2016-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember us-gaap:DoubtfulMember pbhc:OtherConsumerFinancingReceivableMember 2016-12-31 0001609065 us-gaap:DoubtfulMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:DoubtfulMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:SubstandardMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:PassMember us-gaap:CommercialPortfolioSegmentMember pbhc:OtherCommercialAndIndustrialMember 2016-12-31 0001609065 us-gaap:DoubtfulMember pbhc:LinesOfCreditMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 pbhc:TaxExemptLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:PassMember 2015-12-31 0001609065 us-gaap:DoubtfulMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:DoubtfulMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 pbhc:TaxExemptLoansMember us-gaap:SpecialMentionMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember us-gaap:PassMember 2016-12-31 0001609065 us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:PassMember 2016-12-31 0001609065 us-gaap:SubstandardMember 2015-12-31 0001609065 us-gaap:PassMember 2015-12-31 0001609065 us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2016-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember pbhc:FamilyFirstLienResidentialMortgages1To4Member 2016-12-31 0001609065 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember pbhc:TaxExemptLoansMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0001609065 pbhc:OtherCommercialAndIndustrialMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:RealEstateLoanMember 2016-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember pbhc:HomeEquityAndJuniorLiensMember 2015-12-31 0001609065 us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:ResidentialPortfolioSegmentMember pbhc:FamilyFirstLienResidentialMortgages1To4Member 2016-12-31 0001609065 us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:CommercialPortfolioSegmentMember pbhc:LinesOfCreditMember 2015-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember pbhc:HomeEquityAndJuniorLiensMember 2015-12-31 0001609065 us-gaap:FinancingReceivables30To59DaysPastDueMember pbhc:OtherCommercialAndIndustrialMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember pbhc:OtherConsumerFinancingReceivableMember 2016-12-31 0001609065 us-gaap:FinancingReceivables60To89DaysPastDueMember pbhc:HomeEquityAndJuniorLiensMember us-gaap:ConsumerPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-12-31 0001609065 us-gaap:ConstructionLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ResidentialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2016-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:ConstructionLoansMember 2015-12-31 0001609065 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:CommercialPortfolioSegmentMember us-gaap:RealEstateLoanMember 2015-12-31 0001609065 pbhc:OtherConsumerFinancingReceivableMember us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-12-31 0001609065 us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:CommercialPortfolioSegmentMember us-gaap:RealEstateLoanMember 2016-12-31 0001609065 us-gaap:FinancingReceivables60To89DaysPastDueMember pbhc:LinesOfCreditMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember pbhc:LinesOfCreditMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 pbhc:OtherConsumerFinancingReceivableMember us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:ConsumerPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:ResidentialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:RealEstateLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 pbhc:HomeEquityAndJuniorLiensMember us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2016-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember pbhc:FamilyFirstLienResidentialMortgages1To4Member us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember pbhc:TaxExemptLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2016-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2016-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-12-31 0001609065 us-gaap:FinancingReceivables30To59DaysPastDueMember pbhc:TaxExemptLoansMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 pbhc:FamilyFirstLienResidentialMortgages1To4Member us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ResidentialPortfolioSegmentMember 2016-12-31 0001609065 pbhc:OtherCommercialAndIndustrialMember us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 pbhc:FamilyFirstLienResidentialMortgages1To4Member us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-12-31 0001609065 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ResidentialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0001609065 pbhc:OtherCommercialAndIndustrialMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2016-12-31 0001609065 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2016-12-31 0001609065 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ConsumerPortfolioSegmentMember pbhc:HomeEquityAndJuniorLiensMember 2015-12-31 0001609065 us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-12-31 0001609065 us-gaap:FinancingReceivables30To59DaysPastDueMember pbhc:OtherConsumerFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember pbhc:TaxExemptLoansMember 2015-12-31 0001609065 pbhc:TaxExemptLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:CommercialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2016-12-31 0001609065 us-gaap:FinancingReceivables60To89DaysPastDueMember pbhc:OtherConsumerFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:ConstructionLoansMember 2016-12-31 0001609065 us-gaap:FinancingReceivables30To59DaysPastDueMember 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember pbhc:OtherCommercialAndIndustrialMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2016-12-31 0001609065 us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:ResidentialPortfolioSegmentMember 2016-12-31 0001609065 pbhc:FamilyFirstLienResidentialMortgages1To4Member us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:ResidentialPortfolioSegmentMember 2015-12-31 0001609065 pbhc:LinesOfCreditMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-12-31 0001609065 us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-12-31 0001609065 pbhc:OtherConsumerFinancingReceivableMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember pbhc:LinesOfCreditMember 2016-12-31 0001609065 us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2016-12-31 0001609065 us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:ConsumerPortfolioSegmentMember pbhc:HomeEquityAndJuniorLiensMember 2016-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember pbhc:LinesOfCreditMember 2015-12-31 0001609065 us-gaap:FinancingReceivables60To89DaysPastDueMember 2016-12-31 0001609065 pbhc:TaxExemptLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:ConstructionLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:ResidentialPortfolioSegmentMember 2015-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2016-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:ConstructionLoansMember 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember pbhc:OtherCommercialAndIndustrialMember 2015-12-31 0001609065 us-gaap:CommercialRealEstatePortfolioSegmentMember 2016-01-01 2016-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember 2016-01-01 2016-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember 2015-01-01 2015-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember 2016-01-01 2016-12-31 0001609065 us-gaap:CommercialRealEstatePortfolioSegmentMember 2015-01-01 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember pbhc:OtherCommercialAndIndustrialMember 2015-01-01 2015-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember pbhc:FamilyFirstLienResidentialMortgages1To4Member 2015-01-01 2015-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember pbhc:HomeEquityAndJuniorLiensMember 2015-01-01 2015-12-31 0001609065 pbhc:OtherConsumerFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember 2015-01-01 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:RealEstateLoanMember 2016-01-01 2016-12-31 0001609065 pbhc:LinesOfCreditMember us-gaap:CommercialPortfolioSegmentMember 2015-01-01 2015-12-31 0001609065 us-gaap:ResidentialPortfolioSegmentMember pbhc:FamilyFirstLienResidentialMortgages1To4Member 2016-01-01 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember us-gaap:RealEstateLoanMember 2015-01-01 2015-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember pbhc:OtherCommercialAndIndustrialMember 2016-01-01 2016-12-31 0001609065 pbhc:OtherConsumerFinancingReceivableMember us-gaap:ConsumerPortfolioSegmentMember 2016-01-01 2016-12-31 0001609065 us-gaap:CommercialPortfolioSegmentMember pbhc:LinesOfCreditMember 2016-01-01 2016-12-31 0001609065 us-gaap:ConsumerPortfolioSegmentMember pbhc:HomeEquityAndJuniorLiensMember 2016-01-01 2016-12-31 0001609065 pbhc:FamilyFirstLienResidentialMortgages1To4Member 2015-12-31 0001609065 pbhc:ResidentialMortgageConstructionMember 2015-12-31 0001609065 pbhc:UnallocatedMember 2015-12-31 0001609065 pbhc:OtherConsumerFinancingReceivableMember 2015-12-31 0001609065 pbhc:OtherConsumerFinancingReceivableMember 2014-12-31 0001609065 pbhc:CommercialLinesOfCreditMember 2015-12-31 0001609065 pbhc:TaxExemptLoansMember 2015-12-31 0001609065 us-gaap:RealEstateLoanMember 2014-12-31 0001609065 us-gaap:RealEstateLoanMember 2015-12-31 0001609065 pbhc:HomeEquityAndJuniorLiensMember 2015-12-31 0001609065 pbhc:UnallocatedMember 2014-12-31 0001609065 pbhc:OtherCommercialAndIndustrialMember 2014-12-31 0001609065 pbhc:OtherCommercialAndIndustrialMember 2015-12-31 0001609065 pbhc:HomeEquityAndJuniorLiensMember 2014-12-31 0001609065 pbhc:FamilyFirstLienResidentialMortgages1To4Member 2014-12-31 0001609065 pbhc:ResidentialMortgageConstructionMember 2014-12-31 0001609065 pbhc:TaxExemptLoansMember 2014-12-31 0001609065 pbhc:CommercialLinesOfCreditMember 2014-12-31 0001609065 pbhc:FamilyFirstLienResidentialMortgages1To4Member 2015-01-01 2015-12-31 0001609065 pbhc:FamilyFirstLienResidentialMortgages1To4Member 2016-01-01 2016-12-31 0001609065 pbhc:UnallocatedMember 2015-01-01 2015-12-31 0001609065 pbhc:HomeEquityAndJuniorLiensMember 2016-01-01 2016-12-31 0001609065 pbhc:CommercialLinesOfCreditMember 2015-01-01 2015-12-31 0001609065 pbhc:TaxExemptLoansMember 2015-01-01 2015-12-31 0001609065 pbhc:ResidentialMortgageConstructionMember 2016-01-01 2016-12-31 0001609065 pbhc:TaxExemptLoansMember 2016-01-01 2016-12-31 0001609065 pbhc:OtherConsumerFinancingReceivableMember 2016-01-01 2016-12-31 0001609065 pbhc:UnallocatedMember 2016-01-01 2016-12-31 0001609065 pbhc:ResidentialMortgageConstructionMember 2015-01-01 2015-12-31 0001609065 pbhc:CommercialLinesOfCreditMember 2016-01-01 2016-12-31 0001609065 pbhc:HomeEquityAndJuniorLiensMember 2015-01-01 2015-12-31 0001609065 pbhc:OtherConsumerFinancingReceivableMember 2015-01-01 2015-12-31 0001609065 pbhc:OtherCommercialAndIndustrialMember 2015-01-01 2015-12-31 0001609065 pbhc:OtherCommercialAndIndustrialMember 2016-01-01 2016-12-31 0001609065 pbhc:OtherCommercialAndIndustrialMember 2016-12-31 0001609065 pbhc:ResidentialMortgageConstructionMember 2016-12-31 0001609065 pbhc:FamilyFirstLienResidentialMortgages1To4Member 2016-12-31 0001609065 pbhc:OtherConsumerFinancingReceivableMember 2016-12-31 0001609065 pbhc:UnallocatedMember 2016-12-31 0001609065 pbhc:TaxExemptLoansMember 2016-12-31 0001609065 us-gaap:RealEstateLoanMember 2016-12-31 0001609065 pbhc:CommercialLinesOfCreditMember 2016-12-31 0001609065 pbhc:HomeEquityAndJuniorLiensMember 2016-12-31 0001609065 us-gaap:BuildingMember 2016-12-31 0001609065 us-gaap:FurnitureAndFixturesMember 2016-12-31 0001609065 us-gaap:ConstructionInProgressMember 2015-12-31 0001609065 us-gaap:FurnitureAndFixturesMember 2015-12-31 0001609065 us-gaap:LandMember 2015-12-31 0001609065 us-gaap:ConstructionInProgressMember 2016-12-31 0001609065 us-gaap:LandMember 2016-12-31 0001609065 us-gaap:BuildingMember 2015-12-31 0001609065 pbhc:ForeclosedResidentialRealEstateMember 2015-12-31 0001609065 pbhc:ForeclosedResidentialRealEstateMember 2016-12-31 0001609065 pbhc:AcquiredSubsidiaryTwoMember 2013-01-01 2013-12-31 0001609065 pbhc:AcquiredSubsidiaryOneMember 2016-01-01 2016-12-31 0001609065 pbhc:NonBrokeredDepositMember 2016-12-31 0001609065 pbhc:NonBrokeredDepositMember 2015-12-31 0001609065 pbhc:BrokeredDepositMember 2015-12-31 0001609065 pbhc:BrokeredDepositMember 2016-12-31 0001609065 us-gaap:FederalHomeLoanBankAdvancesMember 2016-12-31 0001609065 us-gaap:FederalHomeLoanBankAdvancesMember 2015-12-31 0001609065 us-gaap:MaximumMember 2016-01-01 2016-12-31 0001609065 us-gaap:MinimumMember 2016-01-01 2016-12-31 0001609065 us-gaap:MaximumMember 2016-12-31 0001609065 us-gaap:MinimumMember 2016-12-31 0001609065 us-gaap:DomesticLineOfCreditMember pbhc:OtherCorrespondingBanksMember 2016-12-31 0001609065 us-gaap:DomesticLineOfCreditMember pbhc:FederalReserveBankOfNewYorkMember 2016-12-31 0001609065 us-gaap:JuniorSubordinatedDebtMember pbhc:PathfinderStatutoryTrustIiMember 2016-12-31 0001609065 us-gaap:SubordinatedDebtMember 2016-12-31 0001609065 pbhc:PathfinderStatutoryTrustIiMember us-gaap:JuniorSubordinatedDebtMember 2016-01-01 2016-12-31 0001609065 us-gaap:SubordinatedDebtMember 2016-01-01 2016-12-31 0001609065 us-gaap:JuniorSubordinatedDebtMember pbhc:PathfinderStatutoryTrustIiMember us-gaap:LondonInterbankOfferedRateLIBORMember 2016-01-01 2016-12-31 0001609065 us-gaap:SubordinatedDebtMember 2016-02-29 0001609065 us-gaap:SubordinatedDebtMember 2016-03-01 0001609065 us-gaap:SubordinatedDebtMember 2015-10-15 2015-10-15 0001609065 pbhc:SubordinatedTermLoanMember 2016-12-31 0001609065 us-gaap:SubordinatedDebtMember 2015-12-31 0001609065 us-gaap:JuniorSubordinatedDebtMember 2015-12-31 0001609065 pbhc:SubordinatedTermLoanMember 2015-12-31 0001609065 us-gaap:JuniorSubordinatedDebtMember 2016-12-31 0001609065 us-gaap:LondonInterbankOfferedRateLIBORMember us-gaap:SubordinatedDebtMember 2016-01-01 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember 2014-12-31 0001609065 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2014-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember 2016-01-01 2016-12-31 0001609065 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2015-01-01 2015-12-31 0001609065 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2016-01-01 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember 2015-01-01 2015-12-31 0001609065 us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:DefinedBenefitPostretirementHealthCoverageMember 2016-01-01 2016-12-31 0001609065 us-gaap:DefinedBenefitPostretirementHealthCoverageMember 2016-12-31 0001609065 us-gaap:EquitySecuritiesMember us-gaap:MaximumMember us-gaap:PensionPlansDefinedBenefitMember 2016-01-01 2016-12-31 0001609065 us-gaap:EquitySecuritiesMember us-gaap:MinimumMember us-gaap:PensionPlansDefinedBenefitMember 2016-01-01 2016-12-31 0001609065 us-gaap:FixedIncomeFundsMember us-gaap:MaximumMember us-gaap:PensionPlansDefinedBenefitMember 2016-01-01 2016-12-31 0001609065 us-gaap:FixedIncomeFundsMember us-gaap:MinimumMember us-gaap:PensionPlansDefinedBenefitMember 2016-01-01 2016-12-31 0001609065 pbhc:LongShortEquityFundsMember 2015-01-01 2015-12-31 0001609065 pbhc:LongShortEquityFundsMember 2016-01-01 2016-12-31 0001609065 pbhc:MutualFundsFixedIncomeLongDurationMember 2016-01-01 2016-12-31 0001609065 us-gaap:EquityFundsMember 2016-01-01 2016-12-31 0001609065 pbhc:MutualFundsFixedIncomeIntermediateDurationMember 2016-01-01 2016-12-31 0001609065 us-gaap:FixedIncomeFundsMember 2016-01-01 2016-12-31 0001609065 pbhc:AlternativeAssetFundMember 2016-01-01 2016-12-31 0001609065 us-gaap:EquitySecuritiesMember 2016-01-01 2016-12-31 0001609065 us-gaap:CashEquivalentsMember 2016-01-01 2016-12-31 0001609065 us-gaap:FairValueInputsLevel2Member pbhc:MutualFundsEquityMidCapValueMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:EquityFundsMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel2Member pbhc:MutualFundsFixedIncomeUSCoreMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityLargeCapCoreMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel1Member pbhc:MutualFundsEquitySmallCapCoreMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:CommonStockMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityMidCapCoreMember 2015-12-31 0001609065 pbhc:MutualFundsEquitySmallCapCoreMember us-gaap:FairValueInputsLevel3Member us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 pbhc:MutualFundsEquityMidCapCoreMember us-gaap:FairValueInputsLevel3Member us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel2Member pbhc:MutualFundsEquitySmallCapValueMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsFixedIncomeIntermediateDurationMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel1Member us-gaap:MoneyMarketFundsMember 2015-12-31 0001609065 us-gaap:EquityFundsMember us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel2Member pbhc:MutualFundsEquitySmallCapValueMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel1Member pbhc:MutualFundsFixedIncomeIntermediateDurationMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member pbhc:MutualFundsEquityMidCapGrowthMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:CommonStockMember 2015-12-31 0001609065 pbhc:MutualFundsEquityLargeCapValueMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 pbhc:MutualFundsEquityMidCapValueMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel1Member pbhc:InternationalEquityMember 2015-12-31 0001609065 pbhc:MutualFundsEquityLargeCapCoreMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 pbhc:MutualFundsEquitySmallCapValueMember us-gaap:FairValueInputsLevel3Member us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsFixedIncomeUSCoreMember us-gaap:FairValueInputsLevel1Member 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member pbhc:MutualFundsEquityMidCapGrowthMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel1Member pbhc:MutualFundsEquityLargeCapGrowthMember 2016-12-31 0001609065 pbhc:MutualFundsEquityMidCapValueMember us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 pbhc:MutualFundsEquityMidCapGrowthMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member pbhc:MutualFundsFixedIncomeUSCoreMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel3Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityLargeCapGrowthMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsFixedIncomeLongDurationMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel2Member pbhc:LongShortEquityFundsMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel1Member pbhc:MutualFundsEquitySmallCapCoreMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquitySmallCapValueMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsFixedIncomeLongDurationMember 2016-12-31 0001609065 pbhc:MutualFundsFixedIncomeUSCoreMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityLargeCapGrowthMember 2015-12-31 0001609065 pbhc:InternationalEquityMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2015-12-31 0001609065 us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityLargeCapValueMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel1Member pbhc:MutualFundsEquitySmallCapValueMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member us-gaap:FixedIncomeFundsMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityMidCapGrowthMember us-gaap:FairValueInputsLevel1Member 2015-12-31 0001609065 us-gaap:FairValueInputsLevel3Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityLargeCapCoreMember 2015-12-31 0001609065 pbhc:LongShortEquityFundsMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member pbhc:MutualFundsEquitySmallCapCoreMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel3Member pbhc:MutualFundsEquityLargeCapCoreMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:EquityFundsMember 2015-12-31 0001609065 us-gaap:CommonStockMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member pbhc:MutualFundsEquityLargeCapValueMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityLargeCapGrowthMember 2016-12-31 0001609065 pbhc:MutualFundsEquitySmallCapValueMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member pbhc:MutualFundsFixedIncomeLongDurationMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquitySmallCapCoreMember 2015-12-31 0001609065 pbhc:MutualFundsFixedIncomeUSCoreMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 pbhc:MutualFundsEquitySmallCapGrowthMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:LongShortEquityFundsMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsFixedIncomeUSCoreMember us-gaap:FairValueInputsLevel2Member 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsFixedIncomeUSCoreMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel3Member pbhc:MutualFundsFixedIncomeIntermediateDurationMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 pbhc:MutualFundsEquityMidCapValueMember us-gaap:FairValueInputsLevel3Member us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FixedIncomeFundsMember 2015-12-31 0001609065 pbhc:MutualFundsFixedIncomeIntermediateDurationMember us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel1Member pbhc:MutualFundsEquityLargeCapCoreMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel2Member pbhc:MutualFundsEquityMidCapCoreMember 2015-12-31 0001609065 pbhc:MutualFundsEquitySmallCapGrowthMember us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel2Member pbhc:MutualFundsEquityLargeCapCoreMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel3Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityLargeCapGrowthMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel1Member 2016-12-31 0001609065 us-gaap:FairValueInputsLevel3Member us-gaap:EquityFundsMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityMidCapValueMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityLargeCapCoreMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityMidCapGrowthMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityLargeCapValueMember us-gaap:FairValueInputsLevel2Member 2016-12-31 0001609065 pbhc:MutualFundsEquityLargeCapValueMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel1Member 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsFixedIncomeIntermediateDurationMember us-gaap:FairValueInputsLevel3Member 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel2Member us-gaap:CommonStockMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityMidCapValueMember us-gaap:FairValueInputsLevel2Member 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquitySmallCapCoreMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel3Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquitySmallCapGrowthMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel3Member pbhc:LongShortEquityFundsMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 pbhc:MutualFundsEquitySmallCapCoreMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:EquityFundsMember us-gaap:FairValueInputsLevel2Member 2015-12-31 0001609065 us-gaap:FairValueInputsLevel3Member pbhc:MutualFundsEquitySmallCapValueMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member pbhc:InternationalEquityMember 2016-12-31 0001609065 pbhc:MutualFundsEquitySmallCapCoreMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel2Member 2016-12-31 0001609065 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsFixedIncomeLongDurationMember 2016-12-31 0001609065 pbhc:MutualFundsFixedIncomeIntermediateDurationMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel2Member pbhc:MutualFundsEquityMidCapGrowthMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember us-gaap:FixedIncomeFundsMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel3Member us-gaap:PensionPlansDefinedBenefitMember pbhc:LongShortEquityFundsMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityMidCapValueMember 2015-12-31 0001609065 pbhc:LongShortEquityFundsMember us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:FixedIncomeFundsMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel2Member 2015-12-31 0001609065 us-gaap:FairValueInputsLevel3Member pbhc:MutualFundsEquityLargeCapValueMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel2Member us-gaap:CommonStockMember 2016-12-31 0001609065 pbhc:MutualFundsEquityMidCapValueMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityLargeCapValueMember 2016-12-31 0001609065 pbhc:MutualFundsEquitySmallCapGrowthMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel2Member 2015-12-31 0001609065 pbhc:MutualFundsEquitySmallCapValueMember us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:InternationalEquityMember 2016-12-31 0001609065 pbhc:MutualFundsEquityMidCapCoreMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquitySmallCapGrowthMember us-gaap:FairValueInputsLevel1Member 2015-12-31 0001609065 pbhc:InternationalEquityMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel2Member 2016-12-31 0001609065 us-gaap:FairValueInputsLevel2Member us-gaap:MoneyMarketFundsMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:CommonStockMember us-gaap:FairValueInputsLevel3Member us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:MoneyMarketFundsMember us-gaap:FairValueInputsLevel3Member 2015-12-31 0001609065 us-gaap:FairValueInputsLevel2Member pbhc:LongShortEquityFundsMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:EquityFundsMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel1Member 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel1Member us-gaap:MoneyMarketFundsMember 2016-12-31 0001609065 pbhc:InternationalEquityMember us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:FixedIncomeFundsMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel1Member us-gaap:CommonStockMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsFixedIncomeUSCoreMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel3Member us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:FixedIncomeFundsMember us-gaap:FairValueInputsLevel3Member us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 pbhc:MutualFundsEquityLargeCapGrowthMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel1Member 2015-12-31 0001609065 pbhc:MutualFundsEquityMidCapGrowthMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquitySmallCapGrowthMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel2Member us-gaap:FixedIncomeFundsMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel2Member 2016-12-31 0001609065 us-gaap:FairValueInputsLevel1Member us-gaap:CommonStockMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel1Member pbhc:MutualFundsEquityMidCapCoreMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel3Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityMidCapCoreMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsFixedIncomeIntermediateDurationMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel2Member us-gaap:EquityFundsMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel2Member pbhc:MutualFundsEquityLargeCapGrowthMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:MoneyMarketFundsMember us-gaap:FairValueInputsLevel3Member 2016-12-31 0001609065 us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsFixedIncomeLongDurationMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsFixedIncomeLongDurationMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel2Member pbhc:MutualFundsEquityMidCapGrowthMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:EquityFundsMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2016-12-31 0001609065 us-gaap:FixedIncomeFundsMember us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 pbhc:InternationalEquityMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel2Member 2015-12-31 0001609065 us-gaap:MoneyMarketFundsMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel2Member 2016-12-31 0001609065 us-gaap:MoneyMarketFundsMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel1Member pbhc:MutualFundsEquityLargeCapValueMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:MoneyMarketFundsMember 2015-12-31 0001609065 pbhc:InternationalEquityMember us-gaap:PensionPlansDefinedBenefitMember 2015-12-31 0001609065 pbhc:MutualFundsFixedIncomeLongDurationMember us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 pbhc:MutualFundsEquitySmallCapGrowthMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityMidCapCoreMember us-gaap:FairValueInputsLevel1Member 2016-12-31 0001609065 us-gaap:FairValueInputsLevel2Member pbhc:MutualFundsEquityMidCapCoreMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member pbhc:MutualFundsFixedIncomeLongDurationMember 2015-12-31 0001609065 pbhc:MutualFundsEquityLargeCapGrowthMember us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel2Member 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsEquityLargeCapCoreMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel1Member us-gaap:PensionPlansDefinedBenefitMember pbhc:MutualFundsFixedIncomeIntermediateDurationMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel1Member pbhc:LongShortEquityFundsMember us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 pbhc:MutualFundsEquitySmallCapGrowthMember us-gaap:FairValueInputsLevel2Member us-gaap:PensionPlansDefinedBenefitMember 2016-12-31 0001609065 us-gaap:PensionPlansDefinedBenefitMember us-gaap:FairValueInputsLevel3Member 2016-12-31 0001609065 us-gaap:MaximumMember 2015-12-31 0001609065 us-gaap:MinimumMember 2015-12-31 0001609065 us-gaap:MaximumMember pbhc:MutualFundsEquitySmallCapCoreMember 2016-01-01 2016-12-31 0001609065 pbhc:MutualFundsEquitySmallCapCoreMember us-gaap:MaximumMember 2015-01-01 2015-12-31 0001609065 pbhc:MutualFundsFixedIncomeIntermediateDurationMember 2015-01-01 2015-12-31 0001609065 pbhc:MutualFundsFixedIncomeIntermediateDurationMember us-gaap:MaximumMember 2015-01-01 2015-12-31 0001609065 pbhc:MutualFundsFixedIncomeIntermediateDurationMember us-gaap:MinimumMember 2015-01-01 2015-12-31 0001609065 us-gaap:MinimumMember pbhc:MutualFundsFixedIncomeIntermediateDurationMember 2016-01-01 2016-12-31 0001609065 pbhc:MutualFundsFixedIncomeLongDurationMember us-gaap:MinimumMember 2016-01-01 2016-12-31 0001609065 pbhc:MutualFundsFixedIncomeIntermediateDurationMember us-gaap:MaximumMember 2016-01-01 2016-12-31 0001609065 us-gaap:MinimumMember pbhc:MutualFundsFixedIncomeLongDurationMember 2015-01-01 2015-12-31 0001609065 pbhc:MutualFundsFixedIncomeUSCoreMember us-gaap:MaximumMember 2016-01-01 2016-12-31 0001609065 us-gaap:MaximumMember pbhc:MutualFundsFixedIncomeUSCoreMember 2015-01-01 2015-12-31 0001609065 pbhc:MutualFundsFixedIncomeUSCoreMember 2015-01-01 2015-12-31 0001609065 pbhc:MutualFundsFixedIncomeUSCoreMember 2016-01-01 2016-12-31 0001609065 us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember 2016-12-31 0001609065 us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember us-gaap:ChiefExecutiveOfficerMember 2016-12-31 0001609065 us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember us-gaap:ChiefExecutiveOfficerMember 2015-12-31 0001609065 us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember 2016-01-01 2016-12-31 0001609065 us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember 2015-01-01 2015-12-31 0001609065 us-gaap:SupplementalEmployeeRetirementPlanDefinedBenefitMember 2015-12-31 0001609065 pbhc:DirectorsAndCertainExecutiveOfficersMember 2016-01-01 2016-12-31 0001609065 pbhc:DirectorsAndCertainExecutiveOfficersMember 2015-12-31 0001609065 pbhc:DirectorsAndCertainExecutiveOfficersMember 2016-12-31 0001609065 pbhc:DirectorsAndCertainExecutiveOfficersMember 2015-01-01 2015-12-31 0001609065 pbhc:April2010StockOptionPlanMember 2014-01-01 2014-12-31 0001609065 pbhc:April2010StockOptionPlanMember 2011-12-31 0001609065 pbhc:May2016StockOptionPlanMember 2016-12-31 0001609065 pbhc:May2016RestrictedStockAwardsMember 2016-12-31 0001609065 pbhc:May2016StockOptionPlanMember us-gaap:EmployeeStockOptionMember pbhc:DirectorAndOfficerMember 2016-01-01 2016-12-31 0001609065 pbhc:May2016RestrictedStockAwardsMember us-gaap:RestrictedStockUnitsRSUMember 2016-01-01 2016-12-31 0001609065 pbhc:May2016StockOptionPlanMember pbhc:ChiefExecutiveOfficerExecutiveOfficersAndSeniorOfficerMember us-gaap:EmployeeStockOptionMember 2016-01-01 2016-12-31 0001609065 us-gaap:EmployeeStockOptionMember pbhc:April2010StockOptionPlanMember 2015-01-01 2015-12-31 0001609065 pbhc:April2010StockOptionPlanMember us-gaap:EmployeeStockOptionMember 2011-01-01 2011-12-31 0001609065 us-gaap:EmployeeStockOptionMember pbhc:May2016RestrictedStockAwardsMember pbhc:ChiefExecutiveOfficerExecutiveOfficersAndSeniorOfficerMember 2016-01-01 2016-12-31 0001609065 pbhc:April2010StockOptionPlanMember us-gaap:EmployeeStockOptionMember 2013-01-01 2013-12-31 0001609065 pbhc:April2010StockOptionPlanMember us-gaap:EmployeeStockOptionMember 2016-01-01 2016-12-31 0001609065 us-gaap:ExecutiveOfficerMember pbhc:May2016StockOptionPlanMember us-gaap:EmployeeStockOptionMember 2016-01-01 2016-12-31 0001609065 us-gaap:DirectorMember us-gaap:EmployeeStockOptionMember pbhc:April2010StockOptionPlanMember 2015-01-01 2015-12-31 0001609065 pbhc:May2016RestrictedStockAwardsMember us-gaap:ExecutiveOfficerMember us-gaap:EmployeeStockOptionMember 2016-01-01 2016-12-31 0001609065 us-gaap:VicePresidentMember us-gaap:EmployeeStockOptionMember pbhc:April2010StockOptionPlanMember 2011-01-01 2011-12-31 0001609065 us-gaap:EmployeeStockOptionMember us-gaap:DirectorMember pbhc:April2010StockOptionPlanMember 2011-01-01 2011-12-31 0001609065 pbhc:May2016RestrictedStockAwardsMember us-gaap:DirectorMember us-gaap:RestrictedStockUnitsRSUMember 2016-01-01 2016-12-31 0001609065 pbhc:April2010StockOptionPlanMember us-gaap:OfficerMember us-gaap:EmployeeStockOptionMember 2016-01-01 2016-12-31 0001609065 us-gaap:EmployeeStockOptionMember us-gaap:DirectorMember pbhc:April2010StockOptionPlanMember 2013-01-01 2013-12-31 0001609065 us-gaap:EmployeeStockOptionMember us-gaap:DirectorMember pbhc:May2016StockOptionPlanMember 2016-01-01 2016-12-31 0001609065 us-gaap:EmployeeStockOptionMember pbhc:May2016RestrictedStockAwardsMember pbhc:SeniorOfficerMember 2016-01-01 2016-12-31 0001609065 us-gaap:EmployeeStockOptionMember us-gaap:OfficerMember pbhc:May2016StockOptionPlanMember 2016-01-01 2016-12-31 0001609065 pbhc:May2016StockOptionPlanMember pbhc:SeniorOfficerMember us-gaap:EmployeeStockOptionMember 2016-01-01 2016-12-31 0001609065 pbhc:SeniorOfficerMember us-gaap:EmployeeStockOptionMember pbhc:April2010StockOptionPlanMember 2016-01-01 2016-12-31 0001609065 pbhc:May2016RestrictedStockAwardsMember us-gaap:RestrictedStockUnitsRSUMember us-gaap:OfficerMember 2016-01-01 2016-12-31 0001609065 us-gaap:EmployeeStockOptionMember 2016-01-01 2016-12-31 0001609065 us-gaap:EmployeeStockOptionMember 2015-01-01 2015-12-31 0001609065 us-gaap:EmployeeStockOptionMember 2016-12-31 0001609065 us-gaap:EmployeeStockOptionMember 2014-12-31 0001609065 us-gaap:ChiefExecutiveOfficerMember us-gaap:EmployeeStockOptionMember pbhc:May2016StockOptionPlanMember 2016-01-01 2016-12-31 0001609065 pbhc:April2010StockOptionPlanMember us-gaap:EmployeeStockOptionMember pbhc:ChiefExecutiveOfficerAndSeniorVicePresidentMember 2011-01-01 2011-12-31 0001609065 us-gaap:EmployeeStockOptionMember 2015-12-31 0001609065 pbhc:EsopMember 2011-07-31 0001609065 pbhc:EsopMember 2016-01-01 2016-12-31 0001609065 pbhc:EsopMember 2011-07-01 2011-07-31 0001609065 pbhc:EsopMember 2016-12-31 0001609065 pbhc:EsopMember 2015-01-01 2015-12-31 0001609065 us-gaap:StandbyLettersOfCreditMember 2016-12-31 0001609065 pbhc:UnfundedCommitmentsUnderLinesOfCreditMember 2015-12-31 0001609065 us-gaap:StandbyLettersOfCreditMember 2015-12-31 0001609065 pbhc:UnfundedCommitmentsRelatedToConstructionLoansInProgressMember 2015-12-31 0001609065 pbhc:UnfundedCommitmentsUnderLinesOfCreditMember 2016-12-31 0001609065 us-gaap:CommitmentsToExtendCreditMember 2016-12-31 0001609065 pbhc:UnfundedCommitmentsRelatedToConstructionLoansInProgressMember 2016-12-31 0001609065 us-gaap:CommitmentsToExtendCreditMember 2015-12-31 0001609065 2014-01-01 2014-12-31 0001609065 pbhc:PreferredStockCppMember 2011-09-01 0001609065 pbhc:PreferredStockCppMember 2011-12-31 0001609065 pbhc:PreferredStockSblfMember 2015-01-01 2015-12-31 0001609065 pbhc:PreferredStockSblfMember pbhc:AfterFourAndOneHalfYearsMember 2016-01-01 2016-12-31 0001609065 pbhc:PreferredStockSblfMember 2011-09-29 2011-10-02 0001609065 us-gaap:SeriesBPreferredStockMember 2016-02-16 2016-02-16 0001609065 us-gaap:SubordinatedDebtMember 2015-10-15 0001609065 us-gaap:SubordinatedDebtMember 2016-02-16 2016-02-16 0001609065 pbhc:PreferredStockSblfMember 2016-01-01 2016-12-31 0001609065 us-gaap:InterestRateSwapMember 2016-12-31 0001609065 us-gaap:InterestRateSwapMember 2016-01-01 2016-12-31 0001609065 us-gaap:InterestRateSwapMember 2015-12-31 0001609065 us-gaap:InterestRateSwapMember 2014-12-31 0001609065 us-gaap:InterestRateSwapMember 2015-01-01 2015-12-31 0001609065 us-gaap:InterestRateSwapMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember 2015-12-31 0001609065 us-gaap:InterestRateSwapMember us-gaap:OtherLiabilitiesMember us-gaap:DesignatedAsHedgingInstrumentMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel3Member 2016-04-01 2016-06-30 0001609065 us-gaap:FairValueInputsLevel3Member 2015-07-01 2015-09-30 0001609065 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2016-12-31 0001609065 us-gaap:FairValueMeasurementsRecurringMember us-gaap:EstimateOfFairValueFairValueDisclosureMember 2015-12-31 0001609065 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2016-12-31 0001609065 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2016-12-31 0001609065 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2015-12-31 0001609065 us-gaap:FairValueMeasurementsRecurringMember us-gaap:EstimateOfFairValueFairValueDisclosureMember 2016-12-31 0001609065 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2015-12-31 0001609065 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2015-12-31 0001609065 us-gaap:CommonStockMember 2015-12-31 0001609065 us-gaap:CommonStockMember 2016-01-01 2016-12-31 0001609065 us-gaap:CommonStockMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsNonrecurringMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsNonrecurringMember 2015-12-31 0001609065 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2015-12-31 0001609065 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2015-12-31 0001609065 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2015-12-31 0001609065 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsNonrecurringMember 2016-12-31 0001609065 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member 2016-12-31 0001609065 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2016-12-31 0001609065 us-gaap:FairValueInputsLevel3Member pbhc:ComparableCompaniesMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel3Member pbhc:ComparableCompaniesMember 2015-12-31 0001609065 pbhc:ComparableCompaniesMember us-gaap:FairValueInputsLevel3Member 2015-01-01 2015-12-31 0001609065 pbhc:ComparableCompaniesMember us-gaap:FairValueInputsLevel3Member 2016-01-01 2016-12-31 0001609065 pbhc:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:WeightedAverageMember us-gaap:MarketApproachValuationTechniqueMember 2015-01-01 2015-12-31 0001609065 us-gaap:WeightedAverageMember us-gaap:FairValueInputsLevel3Member pbhc:ImpairedLoansMember us-gaap:CostApproachValuationTechniqueMember 2016-01-01 2016-12-31 0001609065 pbhc:ForeclosedRealEstateMember us-gaap:MaximumMember us-gaap:FairValueInputsLevel3Member us-gaap:MarketApproachValuationTechniqueMember 2015-01-01 2015-12-31 0001609065 us-gaap:CostApproachValuationTechniqueMember us-gaap:WeightedAverageMember us-gaap:FairValueInputsLevel3Member pbhc:ForeclosedRealEstateMember 2016-01-01 2016-12-31 0001609065 us-gaap:FairValueInputsLevel3Member pbhc:ForeclosedRealEstateMember us-gaap:MarketApproachValuationTechniqueMember us-gaap:MinimumMember 2015-01-01 2015-12-31 0001609065 us-gaap:MaximumMember pbhc:ForeclosedRealEstateMember us-gaap:FairValueInputsLevel3Member us-gaap:CostApproachValuationTechniqueMember 2016-01-01 2016-12-31 0001609065 us-gaap:FairValueInputsLevel3Member us-gaap:WeightedAverageMember us-gaap:CostApproachValuationTechniqueMember pbhc:ForeclosedRealEstateMember 2015-01-01 2015-12-31 0001609065 pbhc:ForeclosedRealEstateMember us-gaap:MarketApproachValuationTechniqueMember us-gaap:MinimumMember us-gaap:FairValueInputsLevel3Member 2016-01-01 2016-12-31 0001609065 us-gaap:CostApproachValuationTechniqueMember us-gaap:FairValueInputsLevel3Member us-gaap:MinimumMember pbhc:ImpairedLoansMember 2015-01-01 2015-12-31 0001609065 us-gaap:MarketApproachValuationTechniqueMember us-gaap:FairValueInputsLevel3Member us-gaap:MaximumMember pbhc:ForeclosedRealEstateMember 2016-01-01 2016-12-31 0001609065 us-gaap:WeightedAverageMember us-gaap:MarketApproachValuationTechniqueMember us-gaap:FairValueInputsLevel3Member pbhc:ForeclosedRealEstateMember 2015-01-01 2015-12-31 0001609065 us-gaap:MinimumMember us-gaap:MarketApproachValuationTechniqueMember us-gaap:FairValueInputsLevel3Member pbhc:ImpairedLoansMember 2015-01-01 2015-12-31 0001609065 us-gaap:WeightedAverageMember pbhc:ForeclosedRealEstateMember us-gaap:FairValueInputsLevel3Member us-gaap:MarketApproachValuationTechniqueMember 2016-01-01 2016-12-31 0001609065 us-gaap:MaximumMember us-gaap:FairValueInputsLevel3Member us-gaap:CostApproachValuationTechniqueMember pbhc:ImpairedLoansMember 2016-01-01 2016-12-31 0001609065 us-gaap:MinimumMember us-gaap:MarketApproachValuationTechniqueMember pbhc:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member 2016-01-01 2016-12-31 0001609065 us-gaap:CostApproachValuationTechniqueMember us-gaap:FairValueInputsLevel3Member us-gaap:MaximumMember pbhc:ForeclosedRealEstateMember 2015-01-01 2015-12-31 0001609065 us-gaap:FairValueInputsLevel3Member pbhc:ImpairedLoansMember us-gaap:CostApproachValuationTechniqueMember us-gaap:MinimumMember 2016-01-01 2016-12-31 0001609065 us-gaap:MarketApproachValuationTechniqueMember us-gaap:MaximumMember pbhc:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member 2016-01-01 2016-12-31 0001609065 pbhc:ImpairedLoansMember us-gaap:CostApproachValuationTechniqueMember us-gaap:WeightedAverageMember us-gaap:FairValueInputsLevel3Member 2015-01-01 2015-12-31 0001609065 us-gaap:WeightedAverageMember us-gaap:MarketApproachValuationTechniqueMember pbhc:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member 2016-01-01 2016-12-31 0001609065 us-gaap:MaximumMember us-gaap:MarketApproachValuationTechniqueMember pbhc:ImpairedLoansMember us-gaap:FairValueInputsLevel3Member 2015-01-01 2015-12-31 0001609065 us-gaap:CostApproachValuationTechniqueMember us-gaap:FairValueInputsLevel3Member pbhc:ForeclosedRealEstateMember us-gaap:MinimumMember 2016-01-01 2016-12-31 0001609065 us-gaap:FairValueInputsLevel3Member pbhc:ImpairedLoansMember us-gaap:CostApproachValuationTechniqueMember us-gaap:MaximumMember 2015-01-01 2015-12-31 0001609065 us-gaap:CostApproachValuationTechniqueMember us-gaap:FairValueInputsLevel3Member pbhc:ForeclosedRealEstateMember us-gaap:MinimumMember 2015-01-01 2015-12-31 0001609065 us-gaap:FairValueInputsLevel1Member us-gaap:CarryingReportedAmountFairValueDisclosureMember 2015-12-31 0001609065 us-gaap:FairValueInputsLevel1Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2015-12-31 0001609065 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueInputsLevel1Member 2016-12-31 0001609065 us-gaap:FairValueInputsLevel1Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2016-12-31 0001609065 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2015-12-31 0001609065 us-gaap:FairValueInputsLevel2Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2016-12-31 0001609065 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2015-12-31 0001609065 us-gaap:FairValueInputsLevel3Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2015-12-31 0001609065 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2016-12-31 0001609065 us-gaap:FairValueInputsLevel3Member us-gaap:CarryingReportedAmountFairValueDisclosureMember 2016-12-31 0001609065 us-gaap:FairValueInputsLevel2Member us-gaap:CarryingReportedAmountFairValueDisclosureMember 2016-12-31 0001609065 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2015-12-31 0001609065 us-gaap:ParentCompanyMember 2015-12-31 0001609065 us-gaap:ParentCompanyMember 2015-01-01 2015-12-31 0001609065 us-gaap:ParentCompanyMember 2014-12-31 0001609065 pbhc:DirectorsExecutiveOfficersAndAffiliatesMember 2015-12-31 0001609065 pbhc:DirectorsExecutiveOfficersAndAffiliatesMember 2016-01-01 2016-12-31 0001609065 pbhc:DirectorsExecutiveOfficersAndAffiliatesMember 2016-12-31 0001609065 us-gaap:ParentCompanyMember 2014-10-16 0001609065 2014-10-16 2014-10-16 0001609065 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2014-12-31 0001609065 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2015-12-31 0001609065 pbhc:AccumulatedNetUnrealizedFinancialDerivativeGainLossMember 2014-12-31 0001609065 pbhc:AccumulatedNetUnrealizedFinancialDerivativeGainLossMember 2015-12-31 0001609065 pbhc:AccumulatedNetUnrealizedSecuritiesAvailableForSaleGainLossMember 2015-12-31 0001609065 pbhc:AccumulatedNetUnrealizedSecuritiesAvailableForSaleGainLossMember 2014-12-31 0001609065 pbhc:AccumulatedNetUnrealizedSecuritiesTransferredToHeldToMaturityGainLossMember 2014-12-31 0001609065 pbhc:AccumulatedNetUnrealizedSecuritiesTransferredToHeldToMaturityGainLossMember 2015-12-31 0001609065 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2016-01-01 2016-12-31 0001609065 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2015-01-01 2015-12-31 0001609065 pbhc:AccumulatedNetUnrealizedFinancialDerivativeGainLossMember 2016-01-01 2016-12-31 0001609065 pbhc:AccumulatedNetUnrealizedFinancialDerivativeGainLossMember 2015-01-01 2015-12-31 0001609065 pbhc:AccumulatedNetUnrealizedSecuritiesAvailableForSaleGainLossMember 2015-01-01 2015-12-31 0001609065 pbhc:AccumulatedNetUnrealizedSecuritiesAvailableForSaleGainLossMember 2016-01-01 2016-12-31 0001609065 pbhc:AccumulatedNetUnrealizedSecuritiesTransferredToHeldToMaturityGainLossMember 2015-01-01 2015-12-31 0001609065 pbhc:AccumulatedNetUnrealizedSecuritiesTransferredToHeldToMaturityGainLossMember 2016-01-01 2016-12-31 0001609065 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember 2016-12-31 0001609065 pbhc:AccumulatedNetUnrealizedFinancialDerivativeGainLossMember 2016-12-31 0001609065 pbhc:AccumulatedNetUnrealizedSecuritiesAvailableForSaleGainLossMember 2016-12-31 0001609065 pbhc:AccumulatedNetUnrealizedSecuritiesTransferredToHeldToMaturityGainLossMember 2016-12-31 0001609065 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedNetGainLossFromCashFlowHedgesIncludingPortionAttributableToNoncontrollingInterestMember 2015-01-01 2015-12-31 0001609065 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedNetGainLossFromCashFlowHedgesIncludingPortionAttributableToNoncontrollingInterestMember 2016-01-01 2016-12-31 0001609065 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2016-01-01 2016-12-31 0001609065 us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2015-01-01 2015-12-31 0001609065 pbhc:AccumulatedNetUnrealizedSecuritiesAvailableForSaleGainLossMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2016-01-01 2016-12-31 0001609065 pbhc:AccumulatedNetUnrealizedSecuritiesAvailableForSaleGainLossMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2015-01-01 2015-12-31 iso4217:USD xbrli:shares iso4217:USD xbrli:shares xbrli:pure pbhc:Subsidiary pbhc:Office pbhc:Security pbhc:Loan pbhc:Contract pbhc:Property pbhc:Bank pbhc:Fund pbhc:Stock pbhc:Payment pbhc:ExecutiveOfficer pbhc:Director pbhc:SeniorVicePresident pbhc:Officer pbhc:SeniorOfficer false --12-31 2016-12-31 No No Yes Smaller Reporting Company 49000000 Pathfinder Bancorp, Inc. 0001609065 4246980 2016 FY 10-K 1 10 6 53 9 5 16 67 32 1 0 3 23 19 10 133 0 12 3 1 0 0 0 0 5 0 0 0 4 4 14 0 0 2 0 3 404000 415000 13149000 14135000 -1845000 -51000 1844000 1513000 1947000 -99000 -103000 1611000 -16000 0 -2565000 -3822000 55000 0 P7Y 28717000 27483000 0 0 0 0 0 0 0 264000 85000 264000 0 0 0 0 0 85000 17000000 730000 518000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Advertising</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company follows the policy of charging the costs of advertising to expense as incurred.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div>An allocation of a portion of the allowance to a given portfolio class does not limit the Company's ability to absorb losses in another portfolio class.</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">1-4 family</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">first-lien</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Other</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">residential</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">mortgage</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Construction</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">real estate</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">lines of credit</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and industrial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Allowance for loan losses:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Beginning Balance</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">581</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,983</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">401</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,270</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Charge-offs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(242</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(69</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Recoveries</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">11</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Provisions (credits)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">407</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(54</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">374</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">759</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,935</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">397</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,658</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: related to loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">individually evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">455</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">553</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: related to loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">collectively evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">642</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,480</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">397</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Loans receivables:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">199,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">150,698</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,225</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67,646</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: individually</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,613</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,072</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">400</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,022</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: collectively</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">197,387</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">145,626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,825</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66,624</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Home equity</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Other</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Tax exempt</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and junior liens</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">consumer</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unallocated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Allowance for loan losses:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Beginning Balance</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">350</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">118</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,706</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Charge-offs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(147</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(61</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(519</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Recoveries</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">107</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Provisions (credits)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">118</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">56</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">953</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">331</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">166</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,247</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: related to loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">individually evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,130</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: related to loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">collectively evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">326</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">166</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Loans receivables:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,523</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,722</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,293</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">492,612</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: individually</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">485</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,592</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: collectively</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,523</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,237</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,293</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">484,020</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">1-4 family</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">first-lien</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Other</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">residential</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">mortgage</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Construction</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">real estate</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">lines of credit</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and industrial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Allowance for loan losses:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Beginning Balance</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">509</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,801</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">460</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,034</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Charge-offs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(234</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(308</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(206</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(272</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Recoveries</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">40</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">38</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Provisions</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">266</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">490</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">109</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">498</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">581</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,983</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">401</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,270</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: related to loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">individually evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">760</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">193</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: related to loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">collectively evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">581</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,223</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">396</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,077</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Loans receivables:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">181,792</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,924</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">129,506</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">19,035</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,899</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: individually</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">473</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,430</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">579</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">760</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: collectively</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">181,319</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,924</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">125,076</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,456</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,139</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Home equity</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Other</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Tax exempt</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and junior liens</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">consumer</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unallocated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Allowance for loan losses:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Beginning Balance</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">388</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">98</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">56</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,349</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Charge-offs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(26</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(103</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,149</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Recoveries</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">59</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">157</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Provisions (credits)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(22</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">64</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(56</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,349</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">350</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">118</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,706</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: related to loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">individually evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">960</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: related to loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">collectively evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">348</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">118</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,746</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Loans receivables:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,463</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,886</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">430,586</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: individually</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">288</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,535</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: collectively</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,175</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,881</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">424,051</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 6: ALLOWANCE FOR LOAN LOSSES</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">Changes in the allowance for loan losses for the years ended December 31, 2016 and 2015 and information pertaining to the allocation of the allowance for loan losses and balances of the allowance for loan losses and loans receivable based on individual and collective impairment evaluation by loan portfolio class at the indicated dates are summarized in the tables below.&#160; An allocation of a portion of the allowance to a given portfolio class does not limit the Company's ability to absorb losses in another portfolio class.</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">1-4 family</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">first-lien</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Other</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">residential</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">mortgage</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Construction</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">real estate</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">lines of credit</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and industrial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Allowance for loan losses:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Beginning Balance</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">581</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,983</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">401</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,270</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Charge-offs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(242</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(69</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Recoveries</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">11</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Provisions (credits)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">407</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(54</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">374</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">759</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,935</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">397</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,658</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: related to loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">individually evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">455</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">553</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: related to loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">collectively evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">642</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,480</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">397</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Loans receivables:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">199,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">150,698</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,225</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67,646</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: individually</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,613</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,072</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">400</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,022</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: collectively</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">197,387</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">145,626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,825</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66,624</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Home equity</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Other</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Tax exempt</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and junior liens</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">consumer</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unallocated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Allowance for loan losses:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Beginning Balance</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">350</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">118</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,706</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Charge-offs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(147</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(61</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(519</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Recoveries</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">107</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Provisions (credits)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">118</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">56</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">953</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">331</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">166</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,247</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: related to loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">individually evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,130</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: related to loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">collectively evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">326</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">166</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Loans receivables:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,523</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,722</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,293</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">492,612</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: individually</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">485</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,592</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: collectively</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,523</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,237</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,293</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">484,020</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">1-4 family</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">first-lien</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Other</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">residential</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">mortgage</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Construction</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">real estate</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">lines of credit</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and industrial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Allowance for loan losses:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Beginning Balance</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">509</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,801</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">460</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,034</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Charge-offs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(234</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(308</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(206</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(272</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Recoveries</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">40</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">38</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Provisions</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">266</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">490</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">109</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">498</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">581</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,983</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">401</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,270</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: related to loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">individually evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">760</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">193</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: related to loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">collectively evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">581</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,223</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">396</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,077</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Loans receivables:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">181,792</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,924</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">129,506</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">19,035</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,899</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: individually</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">473</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,430</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">579</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">760</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: collectively</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">181,319</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,924</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">125,076</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,456</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,139</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Home equity</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Other</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Tax exempt</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and junior liens</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">consumer</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unallocated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Allowance for loan losses:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Beginning Balance</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">388</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">98</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">56</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,349</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Charge-offs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(26</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(103</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,149</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Recoveries</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">59</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">157</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Provisions (credits)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(22</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">64</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(56</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,349</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">350</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">118</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,706</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: related to loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">individually evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">960</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: related to loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">collectively evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">348</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">118</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,746</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Loans receivables:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,463</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,886</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">430,586</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: individually</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">288</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,535</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance: collectively</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">evaluated for impairment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,175</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,881</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">424,051</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">The Company's methodology for determining its allowance for loan losses includes an analysis of qualitative factors that are added to the historical loss rates in arriving at the total allowance for loan losses needed for this general pool of loans.&#160; The qualitative factors include:</div><div><br /></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="margin-bottom: 10pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="margin-bottom: 10pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">&#61623;</div></td><td style="vertical-align: top; width: auto;"><div style="margin-bottom: 10pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Changes in national and local economic trends;</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="margin-bottom: 10pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="margin-bottom: 10pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">&#61623;</div></td><td style="vertical-align: top; width: auto;"><div style="margin-bottom: 10pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The rate of growth in the portfolio;</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="margin-bottom: 10pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="margin-bottom: 10pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">&#61623;</div></td><td style="vertical-align: top; width: auto;"><div style="margin-bottom: 10pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Trends of delinquencies and nonaccrual balances;</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="margin-bottom: 10pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="margin-bottom: 10pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">&#61623;</div></td><td style="vertical-align: top; width: auto;"><div style="margin-bottom: 10pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Changes in loan policy; and</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="margin-bottom: 10pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="margin-bottom: 10pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">&#61623;</div></td><td style="vertical-align: top; width: auto;"><div style="margin-bottom: 10pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Changes in lending management experience and related staffing.</div></td></tr></table></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">Each factor is assigned a value to reflect improving, stable or declining conditions based on management's best judgment using relevant information available at the time of the evaluation.&#160; These qualitative factors, applied to each product class, make the evaluation inherently subjective, as it requires material estimates that may be susceptible to significant revision as more information becomes available.&#160; Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for loan losses analysis and calculation.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">The allocation of the allowance for loan losses summarized on the basis of the Company's calculation methodology was as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td colspan="20" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">1-4 family</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">first-lien</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Other</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">residential</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">mortgage</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Construction</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">real estate</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">lines of credit</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and industrial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Specifically reserved</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">455</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">553</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Historical loss rate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">106</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">45</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Qualitative factors</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">536</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,435</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">366</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,055</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">759</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,935</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">397</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,658</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Home equity</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Other</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Tax exempt</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and junior liens</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">consumer</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unallocated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Specifically reserved</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,130</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Historical loss rate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">35</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">283</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Qualitative factors</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">291</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">150</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,834</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">331</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">166</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,247</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td colspan="20" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">1-4 family</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">first-lien</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Other</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">residential</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">mortgage</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Construction</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">real estate</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">lines of credit</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and industrial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Specifically reserved</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">760</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">193</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Historical loss rate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">70</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">97</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">49</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Qualitative factors</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">511</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,126</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">347</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,023</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">581</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,983</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">401</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,270</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Home equity</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Other</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Tax exempt</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and junior liens</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">consumer</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unallocated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Specifically reserved</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">960</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Historical loss rate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">26</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">25</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">321</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Qualitative factors</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">322</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">93</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,425</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">350</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">118</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,706</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> 0 34000 0 34000 170000 222000 12000 14000 16000 16000 865000 1211000 10400000 214415 4118 749034000 623254000 73790000 86635000 10732000 4455000 10407000 35890000 124202000 6577000 626000 10943000 0 14057000 25016000 10587000 638000 0 14366000 2233000 63603000 22161000 29849000 141955000 98942000 313000 626000 140873000 97362000 626000 1267000 313000 1267000 456000 456000 140873000 97362000 358000 455000 4455000 14057000 0 8618000 121688000 638000 20204000 6577000 13382000 0 8123000 22161000 29849000 1894000 33376000 10587000 52859000 626000 13000 13000 127000 0 25000 152000 0 26854000 117000 531000 0 0 1000 96000 249000 62000 0 0 39000 0 0 132000 0 0 0 0 96000 15000 10445000 2514000 0 0 0 4812000 0 0 0 2820000 0 10744000 2514000 0 1789000 0 339000 984000 0 27008000 3165000 1183000 96000 608000 142000 737000 105000 638000 385000 280000 37000 85000 80000 5000 280000 613000 5000 37000 142000 85000 737000 0 638000 96000 1183000 385000 17000 3182000 5000 80000 0 105000 613000 3182000 129 53 0 3 9 5 10 23 13 6 6 0 28 1 53 14 1 10 11286000 5000 0 5000 17000 0 0 17000 643000 456000 1306000 643000 1653000 554000 663000 145020000 99024000 10545000 33000 113000 104000 20000 0 379000 1000 13000 95000 5000 0 45000 107000 51000 638000 0 1087000 364000 37000 105000 57000 148000 385000 737000 80000 70000 3086000 80000 5000 0 17000 4000 15560000 16880000 42124000 24263000 97371000 6682000 32740000 21380000 8198000 18173000 143714000 31204000 17185000 6696000 143714000 8300000 6664000 30566000 140653000 18128000 16833000 97142000 16481000 40986000 6577000 21308000 24184000 15195000 32573000 14680000 638000 676000 579000 1302000 1800000 583000 626000 14678000 456000 422000 0 23000 0 108000 11458000 10615000 401000 307000 72098000 67286000 0.08 0.08 0.1479 0.1622 33187000 38996000 41484000 48745000 0.1 0.1 22419000 15245000 11356000 21418000 12557000 5424000 197000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Cash and Cash Equivalents</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Cash and cash equivalents include cash on hand, amounts due from banks and interest-bearing deposits (with original maturity of three months or less).</div></div> 6968000 9624000 21418000 5424000 7174000 3889000 -15994000 8861000 15245000 15245000 22419000 22419000 10600000 11500000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 18: COMMITMENTS AND CONTINGENCIES</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit.&#160; Such commitments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated statement of condition. The contractual amount of those commitments to extend credit reflects the extent of involvement the Company has in this particular class of financial instrument. The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of the instrument.&#160; The Company uses the same credit policies in making commitments as it does for on-balance sheet instruments.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">At December 31, 2016 and 2015, the following financial instruments were outstanding whose contract amounts represent credit risk:</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Contract Amount</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Commitments to grant loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">46,649</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">20,168</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Unfunded commitments under lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">48,653</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">34,469</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Unfunded commitments related to construction loans in progress</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,918</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,726</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Standby letters of credit</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,900</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,884</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitment amounts are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management's credit evaluation of the counter party. Collateral held varies but may include residential real estate and income-producing commercial properties.&#160; Loan commitments outstanding at December 31, 2016 with fixed interest rates amounted to approximately $7.8 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at December 31, 2016 with variable interest rates amounted to approximately $89.4 million.&#160; These outstanding loan commitments carry current market rates.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Unfunded commitments under standby letters of credit, revolving credit lines and overdraft protection agreements are commitments for possible future extensions of credit to existing customers.&#160; These lines of credit usually do not contain a specified maturity date and may not be drawn upon to the total extent to which the Company is committed.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Letters of credit written are conditional commitments issued by the Company to guarantee the performance of a customer to a third party.&#160; Generally, all letters of credit, when issued have expiration dates within one year.&#160; The credit risk involved in issuing letters of credit is essentially the same as those that are involved in extending loan facilities to customers.&#160; The Company generally holds collateral and/or personal guarantees supporting these commitments.&#160; Management believes that the proceeds obtained through a liquidation of collateral and the enforcement of guarantees would be sufficient to cover the potential amount of future payments required under the corresponding guarantees.&#160; The amount of the liability as of December 31, 2016 and 2015 for guarantees under standby letters of credit issued is not material.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company leases land and leasehold improvements under agreements that expire in various years with renewal options over the next 30 years.&#160; Rental expense, included in building occupancy expense, amounted to $149,000 for 2016 and $135,000 for 2015.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Approximate minimum rental commitments for non-cancelable operating leases are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Years Ending December 31:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2017</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">147</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2018</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2019</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">62</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2020</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">56</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2021</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Thereafter</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">293</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Total minimum lease payments</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">694</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> 0.16 0.20 25000000 25000000 44000 43000 0.01 0.01 4236744 4353850 4353850 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 26: ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Changes in the components of accumulated other comprehensive income (loss) ("AOCI"), net of tax, for the periods indicated are summarized in the table below.</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">For the years ended December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Retirement Plans</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized Gains and Losses on Financial derivative</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized Gains and Losses on Available-for-Sale Securities</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized Loss on Securities</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Transferred to</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Held-to-Maturity</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Beginning balance</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,844</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(51</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(654</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2,565</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Other comprehensive income before reclassifications</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">198</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,436</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">190</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,045</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Amounts reclassified from AOCI</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">133</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(358</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(212</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,513</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,845</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(464</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,822</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr></table><div><br /></div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">For the years ended December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Retirement Plans</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized Gains and Losses on Financial derivative</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized Gains and Losses on Available-for-Sale Securities</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized Loss on Securities Transferred to Held-to-Maturity</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Beginning balance</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,794</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(49</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">457</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(733</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2,119</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Other comprehensive (loss) income before reclassifications</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(161</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(255</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">79</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(341</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Amounts reclassified from AOCI</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">111</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(253</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,844</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(51</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(654</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2,565</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">The following table presents the amounts reclassified out of each component of AOCI for the indicated annual period:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="border-top: #000000 2px solid; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="border-top: #000000 2px solid; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">For the years ended</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Details about AOCI<sup style="font-size: smaller; vertical-align: text-top; line-height: 1;">1</sup> components</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Affected Line Item in the Statement of Income</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Unrealized holding gain on financial derivative:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Reclassification adjustment for</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;interest expense included in net income</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(25</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(61</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Interest on long term borrowings</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 38%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 38%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Provision for income taxes</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(15</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net Income</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Retirement plan items</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Retirement plan net losses</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;recognized in plan expenses<sup style="font-size: smaller; vertical-align: text-top; line-height: 1;">2</sup></div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(222</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(185</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Salaries and employee benefits</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 38%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">89</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">74</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Provision for income taxes</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(133</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(111</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net Income</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Available-for-sale securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Realized gain on sale of securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">594</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">422</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net gains on sales and redemptions of investment securities</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 38%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(236</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(169</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 38%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Provision for income taxes</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">358</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">253</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net Income</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td colspan="10" valign="bottom" style="vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;"><sup style="font-size: smaller; vertical-align: text-top; line-height: 1;">1</sup> Amounts in parentheses indicates debits in net income.</div></td></tr><tr><td colspan="10" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;"><sup style="font-size: smaller; vertical-align: text-top; line-height: 1;">2</sup> These items are included in net periodic pension cost.</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;See Note 14 for additional information.</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr></table></div> 2015000 2443000 43000 26000 2486000 2041000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Comprehensive Income (Loss)</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income.&#160; Although certain changes in assets and liabilities are reported as a separate component of the equity section of the statement of condition, such items, along with net income, are components of comprehensive income.&#160;</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Accumulated other comprehensive loss represents the sum of these items, with the exception of net income, as of the balance sheet date and is represented in the table below.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">As of December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Accumulated Other Comprehensive Loss By Component:</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Unrealized loss for pension and other postretirement obligations</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2,520</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,073</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Tax effect</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,007</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,229</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net unrealized loss for pension and other postretirement obligations</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,513</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,844</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Unrealized loss on financial derivative instruments used in cash flow hedging relationships</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(27</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Tax effect</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">11</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net unrealized loss on financial derivative instruments used in cash flow hedging relationships</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Unrealized loss on available-for-sale securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,072</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(85</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Tax effect</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,227</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">34</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net unrealized loss on available-for-sale securities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,845</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(51</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Unrealized loss on securities transferred to held-to-maturity</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(774</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,090</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Tax effect</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">310</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">436</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net unrealized loss on securities transferred to held-to-maturity</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(464</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(654</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Accumulated other comprehensive loss</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,822</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2,565</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Significant Group Concentrations of Credit Risk</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Most of the Company's activities are with customers located primarily in Oswego and Onondaga counties of New York State.&#160; A large portion of the Company's portfolio is centered in residential and commercial real estate.&#160; The Company closely monitors real estate collateral values and requires additional reviews of commercial real estate appraisals by a qualified third party for commercial real estate loans in excess of $400,000.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">All residential loan appraisals are reviewed by an individual or third party who is independent of the loan origination or approval process and was not involved in the approval of appraisers or selection of the appraiser for the transaction, and has no direct or indirect interest, financial or otherwise in the property or the transaction.&#160; </font>Note 4 discusses the types of securities that the Company invests in.&#160; Note 5 discusses the types of lending that the Company engages in.&#160; The Company does not have any significant concentrations to any one industry or customer.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 23: PARENT COMPANY &#8211; FINANCIAL INFORMATION</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following represents the condensed financial information of Pathfinder Bancorp, Inc. as of and for the years ended December 31:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Statements of Condition</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Assets</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Cash</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,424</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,418</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Investments</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">455</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">358</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Investment in bank subsidiary</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67,281</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">64,519</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Investment in non-bank subsidiary</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">155</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">155</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other assets</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">475</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">185</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Total assets</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">73,790</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">86,635</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Liabilities and Shareholders' Equity</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Accrued liabilities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">404</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">415</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Subordinated loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,025</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,991</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Shareholders' equity</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">58,361</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">71,229</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Total liabilities and shareholders' equity</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">73,790</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">86,635</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Statements of Income</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Income</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Dividends from non-bank subsidiary</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Realized gains on available-for sale investment securities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">108</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total income</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">112</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Expenses</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Interest</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">880</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">300</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Operating, net</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">230</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">248</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total expenses</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,110</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">548</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Loss before taxes and equity in undistributed net income of subsidiaries</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(998</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(544</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Tax benefit</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">254</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">162</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Loss before equity in undistributed net income of subsidiaries</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(744</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(382</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Equity in undistributed net income of subsidiaries</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,271</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Net income</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,272</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,889</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Statements of Cash Flows</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Operating Activities</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Net Income</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,272</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,889</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Equity in undistributed net income of subsidiaries</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(4,016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,271</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Realized gains on available-for-sale investment securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(23</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Stock based compensation and ESOP expense</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">557</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">354</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Amortization of deferred financing from subordinated loan</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">34</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Net change in other assets and liabilities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(152</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">95</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Net cash flows from operating activities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(328</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Investing Activities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Purchase investments</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(130</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(312</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Net gain on hedging transaction</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(85</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Proceeds from sale of investment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">43</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Net cash flows from investing activities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(172</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(312</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Financing activities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Redemption of preferred stock - SBLF</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(13,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Proceeds from exercise of stock options</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">143</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Proceeds from subordinated loan</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,836</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Purchase of common stock</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,755</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Cash dividends paid to preferred shareholders</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(130</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Cash dividends paid to common shareholders</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(866</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(609</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Net cash flows from financing activities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(15,494</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,106</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Change in cash and cash equivalents</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(15,994</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,861</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Cash and cash equivalents at beginning of year</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,418</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,557</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Cash and cash equivalents at end of year</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,424</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,418</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Nature of Operations</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The accompanying consolidated financial statements include the accounts of Pathfinder Bancorp, Inc. (the "Company") and its wholly owned subsidiary, Pathfinder Bank (the "Bank"). The Company is a Maryland corporation headquartered in Oswego, New York. On October 16, 2014, the Company completed its conversion from the mutual holding company structure and the related public offering and is now a stock holding company that is fully owned by the public.&#160; As a result of the conversion, the mutual holding company and former mid-tier holding company were merged into Pathfinder Bancorp, Inc. The primary business of the Company is its investment in Pathfinder Bank (the "Bank") which is 100% owned by the Company.&#160; The Company sold 2,636,053 shares of common stock in the offering, including 105,442 shares sold to the Pathfinder Bank employee stock ownership plan ("ESOP").&#160; All shares were sold at a price of $10.00 per share raising $26.4 million in gross proceeds.&#160; Additionally, $197,000 in cash was received from the merger of MHC into the company; and after accounting for conversion related expenses of $1.5 million, the Company received $24.9 million in net proceeds.&#160; Concurrent with the completion of the offering, publicly owned shares of Pathfinder Bancorp, Inc., a federal corporation, were exchanged for 1.6472 shares of the Company's common stock. At December 31, 2016, 4,236,744 shares of common stock were outstanding. The Bank has three wholly owned operating subsidiaries, Pathfinder Risk Management Company, Inc. ("PRMC"), Pathfinder REIT, Inc. and Whispering Oaks Development Corp. All significant inter-company accounts and activity have been eliminated in consolidation.&#160; Although the Company owns, through its subsidiary PRMC, 51% of the membership interest in FitzGibbons Agency, LLC ("FitzGibbons"), the Company is required to consolidate 100% of FitzGibbons within the consolidated financial statements.&#160; The 49% of which the Company does not own is accounted for separately as noncontrolling interests within the consolidated financial statements.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company has seven offices located in Oswego County and two offices in Onondaga County.&#160; The Company is primarily engaged in the business of attracting deposits from the general public in the Company's market area, and investing such deposits, together with other sources of funds, in loans secured by commercial real estate, business assets, one-to-four family residential real estate and investment securities.</div></div> 1900000 34469000 1884000 5726000 48653000 46649000 5918000 20168000 1360000 955000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 12: BORROWED FUNDS</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The composition of borrowings (excluding subordinated loans) at December 31 is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Short-term:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">FHLB Advances</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">42,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,800</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Deferred fees hedging</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(53</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Total short-term borrowings</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">41,947</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,800</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Long-term:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">FHLB advances</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,500</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Total long-term borrowings</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,500</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div>The principal balances, interest rates and maturities of the remaining borrowings, all of which are at a fixed rate, at December 31, 2016 are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Term</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Principal</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Rates</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(Dollars in thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Advances with FHLB</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">due within 1 year</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">0.78-2.56</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">due within 2 years</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1.04</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">due within 10 years</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1.16-2.55</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Total advances with FHLB</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Total long-term fixed rate borrowings</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">At December 31, 2016, scheduled repayments of long-term debt are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2017</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2018</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2019</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2020</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2021</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Thereafter</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 88%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company has access to Federal Home Loan Bank advances, under which it can borrow at various terms and interest rates.&#160; Residential mortgage loans with a carrying value of $140.3 million and FHLB stock with a carrying value of $3.3 million have been pledged by the Company under a blanket collateral agreement to secure the Company's borrowings at December 31, 2016.&#160; The total outstanding indebtedness under borrowing facilities with the FHLB cannot exceed the total value of the assets pledged under the blanket collateral agreement.&#160; The Company has a $12.9 million line of credit available at December 31, 2016 with the Federal Reserve Bank of New York through its Discount Window and has pledged various corporate and municipal securities against the line. The Company has $14.4 million in lines of credit available with three other correspondent banks. $9.4 million of that line of credit is available on an unsecured basis and the remaining $5.0 million must be collateralized with marketable investment securities. Interest on the lines is determined at the time of borrowing.</div></div> 3-month LIBOR P30Y 0.0165 0.0165 0.01 0.01 10000000 5000000 10000000 5000000 0.035 0.0625 0.0625 0.0325 41300000 41282000 58918000 58947000 2025-10-01 2037-12-31 0.0265 0.0644 204000 97000 310000 339000 P10Y P5Y 382000 21000 0 2200000 2400000 53000 0 116000 -249000 4100000 4588000 62000 120000 5436000 3983000 698000 88000 155000 61000 56000 2392000 2185000 912000 858000 121000 166000 1470000 1470000 20000 15000 1083000 1011000 150000 265000 279000 266000 13000 0.35 0.65 0.16 0.35 0.1 0.38 0.01 305000 292000 13000 0.0523 0.0515 0.0505 0.0532 13000 295000 13000 282000 154000 -5000 -180000 -226000 3000 0 0 0 0 0 0 1055000 -75000 2235000 2175000 60000 0 231000 586000 201000 165000 172000 -3245000 -2685000 3000 0 -5000 0 -5000 0 0 0 0 329000 12000 341000 219000 325000 312000 13000 0.0505 0.049 0.0498 0.0523 0 0 0 0 0 0.075 0.075 0 0.07 0.05 0 13125000 12808000 0 13634000 0 204000 4776000 1695000 0 0 0 162000 0 0 167000 2865000 72000 0 119000 0 0 0 696000 0 0 510000 0 0 0 0 0 186000 0 0 2347000 1165000 0 167000 2474000 0 783000 0 696000 0 0 0 0 1793000 0 0 3950000 0 0 860000 119000 0 238000 1578000 140000 1165000 1578000 1695000 0 0 6790000 2932000 0 162000 0 609000 0 70000 0 204000 510000 0 958000 0 0 0 166000 312000 0 0 238000 3950000 0 0 312000 0 2932000 163000 0 0 0 0 6790000 0 0 166000 958000 117000 0 1131000 209000 0 1131000 203000 0 0 1793000 0 70000 0 7101000 0 0 0 0 0 163000 117000 7101000 13564000 0 0 0 2865000 4776000 783000 0 2347000 0 186000 0 0 996000 522000 592000 0 72000 12736000 275000 996000 2474000 0 0 209000 0 860000 609000 0 0 140000 0 9679000 159000 9319000 356000 154000 9323000 951000 975000 0 0 0.0625 468000 464000 17000 8000 -154000 3489000 -159000 4311000 0 13000 0 13000 242000 13000 13000 229000 2022 -327000 -261000 0 17000 0.05 300000 269000 0 0 0 0 42758000 53587000 53587000 0 42758000 0 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 11: DEPOSITS</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">A summary of deposits at December 31 is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Savings accounts</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">80,139</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">73,540</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Time accounts</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">132,007</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">111,250</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Time accounts of $250,000 or more</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">57,349</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">35,213</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Money management accounts</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,718</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">MMDA accounts</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">192,692</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">146,862</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Demand deposit interest-bearing</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53,587</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">42,758</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Demand deposit noninterest-bearing</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">75,282</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">61,679</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Mortgage escrow funds</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,209</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,932</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total Deposits</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">610,983</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">490,315</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">At December 31, 2016, the scheduled maturities of time deposits are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Year of Maturity:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2017</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">119,945</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2018</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">38,693</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2019</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,774</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2020</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,313</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2021</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,770</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Thereafter</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,861</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">189,356</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In addition to deposits obtained from its business operations within its target market areas, the Bank also obtains brokered deposits through various programs administered by Promontory Interfinancial Network.</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="22" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">At December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Non-Brokered</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Brokered</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Non-Brokered</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Brokered</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Savings accounts</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">80,139</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">80,139</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">73,540</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">73,540</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Time accounts</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">89,200</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">42,807</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">132,007</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">78,234</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">33,016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">111,250</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Time accounts of $250,000 or more</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">57,349</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">57,349</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">35,213</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">35,213</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Money management accounts</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,718</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,718</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">MMDA accounts</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">105,755</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">86,937</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">192,692</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">99,187</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">47,675</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">146,862</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Demand deposit interest-bearing</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53,587</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53,587</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">42,758</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">42,758</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Demand deposit noninterest-bearing</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">75,282</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">75,282</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">61,679</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">61,679</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Mortgage escrow funds</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,209</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,209</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,932</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,932</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total Deposits</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">481,239</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">129,744</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">610,983</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">409,624</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">80,691</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">490,315</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> 610983000 490315000 80691000 481239000 129744000 409624000 99187000 192692000 86937000 105755000 47675000 146862000 421627000 343853000 343853000 421627000 80139000 73540000 0 80139000 73540000 0 998000 1019000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">NOTE 21:</font>&#160;<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">INTEREST RATE DERIVATIVE</font></div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Derivative instruments are entered into primarily as a risk management tool of the Company. Financial derivatives are recorded at fair value as other liabilities. The accounting for changes in the fair value of a derivative depends on whether it has been designated and qualifies as part of a hedging relationship. For a fair value hedge, changes in the fair value of the derivative instrument and changes in the fair value of the hedged asset or liability are recognized currently in earnings. For a cash flow hedge, changes in the fair value of the derivative instrument, to the extent that it is effective, are recorded in other comprehensive income and subsequently reclassified to earnings as the hedged transaction impacts net income. Any ineffective portion of a cash flow hedge is recognized currently in earnings.&#160; See Note 22 for further discussion of the fair value of the interest rate derivative.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company has $5.0 million of floating rate trust preferred debt indexed to 3-month LIBOR.&#160; As a result, it is exposed to variability in cash flows related to changes in projected interest payments caused by changes in the benchmark interest rate.&#160; During the fourth quarter of fiscal 2009, the Company entered into an interest rate swap agreement, with a $2.0 million notional amount, to convert a portion of the floating rate trust preferred debt to a fixed rate for a term of approximately seven years at a rate of 4.96%.&#160; This swap agreement expired in the second quarter of 2016 and was not renewed.&#160; The derivative, while in effect, was designated as a cash flow hedge.&#160; The hedging strategy ensured that changes in cash flows from the derivative would have been highly effective at offsetting changes in interest expense from the hedged exposure.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following table summarizes the fair value of outstanding derivatives and their presentation on the statements of condition as of December 31:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Cash flow hedge:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Other liabilities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">27</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">The change in accumulated other comprehensive loss, on a pretax basis, and the impact on earnings from the interest rate swap that qualifies as a cash flow hedge for the year ended December 31 were as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Balance as of December 31:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(27</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(82</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Amount of gains/losses recognized in other comprehensive income</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Amount of loss reclassified from other comprehensive income</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">&#160;&#160;&#160;&#160;&#160;and recognized as interest expense</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">25</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">61</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Balance as of December 31:</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(27</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">No amount of ineffectiveness had been included in earnings for prior periods and the changes in fair value were recorded in other comprehensive (loss) income.&#160; Some, or all, of the amount included in accumulated other comprehensive (loss) income would have been reclassified into current earnings should a portion of, or the entire hedge no longer been considered effective.</div></div> P7Y 2000000 0 27000 27000 0 27000 0 0.0496 6000 -2000 61000 25000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Derivative Financial Instruments&#160;</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Derivatives are recorded on the statement of condition as assets and liabilities measured at their fair value. The accounting for increases and decreases in the value of derivatives depends upon the use of derivatives and whether the derivatives qualify for hedge accounting.&#160; The Company currently has one interest rate swap, which has been determined to be a cash flow hedge.&#160; The fair value of cash-flow hedging instruments ("Cash Flow Hedge") is recorded in either other assets or other liabilities. On an ongoing basis, the statement of condition is adjusted to reflect the then current fair value of the Cash Flow Hedge. The related gains or losses are reported in other comprehensive income (loss) and are subsequently reclassified into earnings, as a yield adjustment in the same period in which the related interest on the hedged item (primarily a variable-rate debt obligation) affects earnings. To the extent that the Cash Flow Hedge is not effective, the ineffective portion of the Cash Flow Hedge is immediately recognized as interest expense.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">As a hedge against rising short-term interest rates, the Company sold a U.S. Treasury security in the amount of $25 million during the fourth quarter of 2016.&#160; The Company was in controlling possession of, but did not own, the security which had been received as collateral, under an industry-standard repurchase agreement, for a 30-day no interest loan of approximately $25 million to an unrelated third party. The sale of this security provided the funds necessary to advance the loan to the third party and placed the Company in what is generally described as a "short position" with respect to the sold U.S. Treasury security. This transaction acted as a hedge against rising short-term interest rates because the price of the security would be expected to decline in a rising short-term interest rate environment and could be subsequently re-acquired at the conclusion of the 30-day loan period at a price lower than the price at which it was originally sold.&#160; Short-term rates rose during the 30-day loan period and, consequently, the Company recognized a gain on the sale of securities in the amount of $85,000 and a tax benefit of $34,000 when the Treasury security was repurchased.&#160; The tax benefit arose from the reversal of reserves established in prior years against the Company's deferred tax asset position as the transaction gain was characterized as a capital gain for tax purposes.&#160; This capital gain was essentially tax free to the Company as the result of the utilization of existing, previously reserved-for, capital loss tax carryforwards that were established in 2011 and 2013. The recognized tax benefit reduced the Company's effective tax rate from what would have been 26.6% to 25.2% in 2016.&#160; The gain income and the recognized tax benefits derived from this transaction were partially offset by an additional $54,000 in after-tax interest expense that increased interest expense and therefore reduced pretax net interest margin by $82,000 in the fourth quarter of 2016.&#160; In total, after-tax net income was increased by approximately $65,000 during the fourth quarter of 2016 as a result of this transaction. Prior to the commencement of this transaction, the Company incurred consulting and placement fees of $59,000, of which $53,000 has been recorded on the Company's Consolidated Statements of Condition as deferred fees. These deferred fees will be recognized ratably as interest expense on the occasions that this hedging position is reestablished in future periods.&#160; The hedge position was closed on December 23, 2016 and, other than the deferred fees of $53,000 discussed above, had no effect on the Company's consolidated financial condition at December 31, 2016.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 2:&#160; NEW ACCOUNTING PRONOUNCEMENTS&#160; </div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">ASU 2016-18</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">, Statement of Cash Flows (Topic 230): Restricted Cash (a consensus of the FASB Emerging Issues Task Force</font>).&#160; This guidance amended the requirements for the presentation of restricted cash in the statement of cash flows.&#160;&#160; The guidance requires that restricted cash and restricted cash equivalents be included with cash and cash equivalents when reconciling the beginning-of-period and end-of-period total amounts showed on the statement of cash flows. &#160;In&#160;addition,&#160;when&#160;cash,&#160;cash&#160;equivalents,&#160;and restricted cash or cash equivalents are presented on&#160; more than one line item within the statement of financial position, the line items and amounts must be presented on the face of the statement of cash flows or disclosed in the notes to the financial statements.&#160; Information about the nature of restrictions on an entity's cash and cash equivalents must also be disclosed.&#160; The guidance is effective for annual periods and interim periods within those annual periods beginning after December 15, 2017, using a retrospective method. The&#160;Company&#160;is evaluating the impact of the guidance may have on the presentation of its consolidated future cash flows. </div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">ASU 2017-01, <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Business Combinations (Topic 805), Clarifying the Definition of a Business</font>.&#160; This new guidance clarifies the definition of a business with the objective of adding guidance to assist entities with evaluating whether transactions should be accounted for as acquisitions (or disposals) of assets or businesses. The definition of a business affects many areas of accounting including acquisitions, disposals, goodwill, and consolidation.&#160; The amendments in this Update affect all reporting entities that must determine whether they have acquired or sold a business.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Under the current implementation guidance in Topic 805, there are three elements of a business&#8212;inputs, processes, and outputs. While an integrated set of assets and activities (collectively referred to as a "set") that is a business usually has outputs, outputs are not required to be present. In addition, all the inputs and processes that a seller uses in operating a set are not required if market participants can acquire the set and continue to produce outputs, for example, by integrating the acquired set with their own inputs and processes.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The amendments in this Update provide a screen to determine when a set is not a business. The screen requires that when substantially all of the fair value of the gross assets acquired (or disposed of) is concentrated in a single identifiable asset or a group of similar identifiable assets, the set is not a business. This screen reduces the number of transactions that need to be further evaluated.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">If the screen is not met, the amendments in this Update (1) require that to be considered a business, a set must include, at a minimum, an input and a substantive process that together significantly contribute to the ability to create output and (2) remove the evaluation of whether a market participant could replace missing elements. The amendments provide a framework to assist entities in evaluating whether both an input and a substantive process are present. The framework includes two sets of criteria to consider that depend on whether a set has outputs. Although outputs are not required for a set to be a business, outputs generally are a key element of a business; therefore, the Board has developed more stringent criteria for sets without outputs.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Lastly, the amendments in this Update narrow the definition of the term <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">output </font>so that the term is consistent with how outputs are described in Topic 606.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company should apply the amendments in this Update to annual periods beginning after December 15, 2017, including interim periods within those periods.&#160; The amendments in this Update should be applied prospectively on or after the effective date. No disclosures are required at transition. The Company does not expect that the guidance to have a material impact on its consolidated financial statements.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">ASU 2017-03, <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Accounting Changes and Error Corrections (Topic 250) and Investments-Equity Method and Joint Ventures (Topic 323), Amendments to SEC Paragraphs Pursuant to Staff Announcements at the September 22, 2016 and November 17, 2016 EITF Meetings</font>.&#160; This new guidance provides the SEC staff view that a registrant should evaluate ASUs that have not yet been adopted to determine the appropriate financial statement disclosures about the potential material effects of those ASUs on the financial statements when adopted. Consistent with Topic 11.M, if a registrant does not know or cannot reasonably estimate the impact that adoption of the ASUs referenced in this announcement is expected to have on the financial statements, then in addition to making a statement to that effect, that registrant should consider additional qualitative financial statement disclosures to assist the reader in assessing the significance of the impact that the standard will have on the financial statements of the registrant when adopted. In this regard, the SEC staff expects the additional qualitative disclosures to include a description of the effect of the accounting policies that the registrant expects to apply, if determined, and a comparison to the registrant's current accounting policies. Also, a registrant should describe the status of its process to implement the new standards and the significant implementation matters yet to be addressed.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">ASU 2017-04, <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Intangibles-Goodwill and Other (Topic 350), Simplifying the Test for Goodwill Impairment</font>.&#160; This new guidance simplifies the subsequent measurement of goodwill, the Board eliminated Step 2 from the goodwill impairment test. In computing the implied fair value of goodwill under Step 2, an entity had to perform procedures to determine the fair value at the impairment testing date of its assets and liabilities (including unrecognized assets and liabilities) following the procedure that would be required in determining the fair value of assets acquired and liabilities assumed in a business combination.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Instead, under the amendments in this Update, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit's fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. Additionally, an entity should consider income tax effects from any tax deductible goodwill on the carrying amount of the reporting unit when measuring the goodwill impairment loss, if applicable.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Board also eliminated the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test. Therefore, the same impairment assessment applies to all reporting units. An entity is required to disclose the amount of goodwill allocated to each reporting unit with a zero or negative carrying amount of net assets.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. This Update also includes amendments to the Overview and Background Sections of the Codification (as discussed in Part II of the amendments) as part of the Board's initiative to unify and improve the Overview and Background Sections across Topics and Subtopics. These changes should not affect the related guidance in these Subtopics.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">An entity should apply the amendments in this Update on a prospective basis. An entity is required to disclose the nature of and reason for the change in accounting principle upon transition. That disclosure should be provided in the first annual period and in the interim period within the first annual period when the entity initially adopts the amendments in this Update.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">A public business entity that is a U.S. Securities and Exchange Commission (SEC) filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">A public business entity that is not an SEC filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2020.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Early adoption is permitted for interim or annual goodwill impairment tests performed on testing dates after January 1, 2017.</div></div> 1 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 15:&#160; STOCK BASED COMPENSATION PLANS</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">All share and per share values have been adjusted, where appropriate, by the 1.6472 exchange rate used in the Conversion and Offering that occurred on October 16, 2014.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: justify;">The April 2010 Stock Option Plan</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In June 2011, the board of directors of the Company approved the grant of stock option awards to its directors and executive officers under the 2010 Stock Option Plan that had 247,080 shares authorized for award.&#160; A total of 74,124 stock option awards were granted to the nine directors of the Company, at that time, and 123,540 stock option awards, in total, were granted to the Chief Executive Officer and the Company's then four senior vice presidents.&#160; The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or June 2021.&#160; The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 2.2%; volatility factors of the expected market price of the Company's common stock of 0.45; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.49%. Based upon these assumptions, the weighted average fair value of options granted was $2.29.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In July 2013, the board of directors of the Company approved the grant of 16,472 stock option awards in total to two newly elected directors of the Company.&#160; The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or July 2023.&#160; The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 2.0%; volatility factors of the expected market price of the Company's common stock of 0.45; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.0%. Based upon these assumptions, the weighted average fair value of options granted was $3.69.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In November 2015, the board of directors of the Company approved the grant of 16,472 stock option awards in total to two newly elected directors of the Company.&#160; The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or November 2025.&#160; The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 1.9%; volatility factors of the expected market price of the Company's common stock of 0.23; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.4%. Based upon these assumptions, the weighted average fair value of options granted was $2.56.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In April 2016, the board of directors of the Company approved the grant of 47,768 stock option awards in total to three officers and one recently promoted senior officer.&#160; The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or April 2026.&#160; The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 1.6%; volatility factors of the expected market price of the Company's common stock of 0.32; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.55%. Based upon these assumptions, the weighted average fair value of options granted was $3.17.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: justify; margin-right: 1.8pt;">The May 2016 Stock Option Plan</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">In May 2016, the board of directors of the Company approved the grant of stock option awards to its directors, executive Officers, senior officers and officers under the 2016 Equity Incentive Plan that was approved at the Annual Meeting of Shareholders on May 4, 2016 when 263,605 shares were authorized for award.</div><div style="text-align: justify; margin-right: 1.8pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">A total of 79,083 stock option awards were granted to the nine directors of the Company and 44,812 stock option awards, in total, were granted to thirteen officers.&#160; The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or May 2026.&#160; The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 1.6%; volatility factors of the expected market price of the Company's common stock of 0.32; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.55%. Based upon these assumptions, the weighted average fair value of options granted was $3.32.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">A total of 92,261 stock option awards, in total, were granted to the Chief Executive Officer, two executive officers and three senior officers.&#160; The awards will vest ratably over seven years (approximately 14.28% per year for each year of the participant's service with the Company) with the exception of one senior officer whose awards will vest upon retirement on August 1, 2017 and will expire ten years from the date of the grant, or May 2026.&#160; The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 1.7%; volatility factors of the expected market price of the Company's common stock of 0.32; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.55%. Based upon these assumptions, the weighted average fair value of options granted was $3.59.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Activity in the stock option plans is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Weighted</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Options</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Average</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Shares</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(Shares in thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Outstanding</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Exercise Price</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Exercisable</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Outstanding at December 31, 2014</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">170</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.75</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">95</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Granted</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">11.09</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Newly vested</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.75</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">35</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Exercised</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Expired</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 64%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Outstanding at December 31, 2015</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">185</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.75</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">128</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Granted</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">264</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">11.25</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Newly vested</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.21</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Exercised</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(26</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(26</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr style="height: 14px;"><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 64%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Expired</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Outstanding at December 31, 2016</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">423</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.21</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">139</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The aggregate intrinsic value of a stock option represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had all option holders exercised their options prior to the expiration date.&#160; The intrinsic value can change based on fluctuations in the market value of the Company's stock.&#160; At December 31, 2016, the intrinsic value of the stock options was $1.7 million.&#160; At December 31, 2015, the intrinsic value of the stock options was $1.2 million.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">At December 31, 2016, there were 422,940 options outstanding, of which 139,246 were exercisable at an average exercise price of $5.80, and an average remaining contractual life of 4.7 years.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: justify; margin-right: 1.8pt;">The May 2016 Restricted Stock Awards</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">In May 2016, the board of directors of the Company approved the grant of restricted stock awards to its directors, executive officers, senior officers and officers under the 2016 Equity Incentive Plan that was approved at the Annual Meeting of Shareholders on May 4, 2016 when 105,442 shares were authorized for award.&#160; A total of 31,635 restricted stock awards were granted to the nine directors of the Company and 8,436 restricted stock awards, in total, were granted to two officers.&#160; The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) with the exception of one senior officer whose awards will vest upon retirement on August 1, 2017.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">The compensation expense of the awards is based on the fair value of the instruments on the date of grant.&#160; The Company recorded compensation expense in the amount of $264,000 and $85,000 in 2016 and 2015, respectively, and is expected to record $328,000, $323,000, $316,000, $314,000, $176,000, $113,000 and $38,000 in 2017 through 2023.</div></div> 178000 134000 0 0 0 0 130000 130000 0 0 0 0 0 0 0 0 16000 16000 1200000 0 0 0 661000 0 0 820000 0 0 0 0 0 661000 820000 0 0 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Earnings Per Share</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Basic earnings per common share are computed by dividing net income, after preferred stock dividends and preferred stock discount accretion, by the weighted average number of common shares outstanding throughout each year.&#160; Diluted earnings per share gives effect to weighted average shares that would be outstanding assuming the exercise of issued stock options and warrants using the treasury stock method.&#160; Unallocated shares of the Company's ESOP plan are not included when computing earnings per share until they are committed to be released.</div></div> 0.79 0.67 0.66 0.78 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">NOTE 3:&#160; EARNINGS PER SHARE</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Basic earnings per share are calculated by dividing net income available to common shareholders by the weighted average number of common shares outstanding during the period.&#160; Net income available to common shareholders is net income to Pathfinder Bancorp, Inc. less the total of preferred dividends declared. Diluted earnings per share include the potential dilutive effect that could occur upon the assumed exercise of issued stock options using the Treasury Stock method.&#160; Anti-dilutive shares are common stock equivalents with average exercise prices in excess of the weighted average market price for the period presented. Anti-dilutive stock options, not included in the computation below, were 214,415 and 4,118 for the years ended 2016 and 2015, respectively.&#160; Unallocated common shares held by the ESOP are not included in the weighted-average number of common shares outstanding for purposes of calculating earnings per common share until they are committed to be released to plan participants.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following table sets forth the calculation of basic and diluted earnings per share.</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Years ended</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands, except per share data)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Basic Earnings Per Common Share</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Net income available to common shareholders</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,256</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,759</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Weighted average common shares outstanding</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,124</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Basic earnings per common share</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">0.79</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">0.67</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Diluted Earnings Per Common Share</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Net income available to common shareholders</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,256</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,759</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Weighted average common shares outstanding</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,124</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Effect of assumed exercise of stock options</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">85</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Diluted weighted average common shares outstanding</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,190</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,191</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Diluted earnings per common share</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">0.78</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">0.66</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> 0.34 0.34 0.019 0.023 0.081 0.086 0.064 0.025 0.048 0.026 0.252 0.268 305000 333000 1100000 189429 2600000 36000 40000 24442 24442 155000 155000 1 0.604 198000 1 1 0 13000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Level 3 inputs were used to determine fair value.</div><div>&#160;</div><div>&#160;</div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; border-collapse: collapse; width: 100%;"><tr><td style="vertical-align: bottom; width: 18.09%;">&#160;</td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.33%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 48.21%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Quantitative Information about Level 3 Fair Value Measurements</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 15.3%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%;">&#160;</td><td style="vertical-align: bottom; width: 18.33%;">&#160;</td><td style="vertical-align: bottom; width: 48.21%;">&#160;</td><td style="vertical-align: bottom; width: 15.3%;">&#160;</td></tr><tr style="height: 17px;"><td style="vertical-align: bottom; width: 18.09%;">&#160;</td><td style="vertical-align: bottom; width: 18.33%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Valuation</div></td><td style="vertical-align: bottom; width: 48.21%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Unobservable</div></td><td style="vertical-align: bottom; width: 15.3%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Range</div></td></tr><tr><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.09%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.33%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Techniques</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 48.21%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Input</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 15.3%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">(Weighted Avg.)</div></td></tr><tr><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.09%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">At December 31, 2016</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.33%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 48.21%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 15.3%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Impaired loans</div></td><td style="vertical-align: bottom; width: 18.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Appraisal of collateral</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Appraisal Adjustments</div></td><td style="vertical-align: bottom; width: 15.3%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">5% - 10% (5%)</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 18.33%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">(Sales Approach)</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Costs to Sell</div></td><td style="vertical-align: bottom; width: 15.3%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">8% - 13% (10%)</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #cceeff;">&#160;</td><td style="vertical-align: bottom; width: 18.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Discounted Cash Flow</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #cceeff;">&#160;</td><td style="vertical-align: bottom; width: 15.3%; background-color: #cceeff;">&#160;</td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 18.33%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 48.21%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 15.3%; background-color: #ffffff;">&#160;</td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Foreclosed real estate</div></td><td style="vertical-align: bottom; width: 18.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Appraisal of collateral</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Appraisal Adjustments</div></td><td style="vertical-align: bottom; width: 15.3%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">&#160;15% - 15% (15%)</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 18.33%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">(Sales Approach)</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Costs to Sell</div></td><td style="vertical-align: bottom; width: 15.3%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">&#160;6% - 8% (7%)</div></td></tr></table><div>&#160;</div></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; border-collapse: collapse; width: 100%;"><tr><td style="vertical-align: bottom; width: 18.09%;">&#160;</td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.33%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 48.21%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Quantitative Information about Level 3 Fair Value Measurements</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 15.3%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%;">&#160;</td><td style="vertical-align: bottom; width: 18.33%;">&#160;</td><td style="vertical-align: bottom; width: 48.21%;">&#160;</td><td style="vertical-align: bottom; width: 15.3%;">&#160;</td></tr><tr style="height: 17px;"><td style="vertical-align: bottom; width: 18.09%;">&#160;</td><td style="vertical-align: bottom; width: 18.33%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Valuation</div></td><td style="vertical-align: bottom; width: 48.21%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Unobservable</div></td><td style="vertical-align: bottom; width: 15.3%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Range</div></td></tr><tr><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.09%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.33%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Techniques</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 48.21%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Input</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 15.3%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">(Weighted Avg.)</div></td></tr><tr><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.09%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">At December 31, 2015</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.33%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 48.21%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 15.3%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Impaired loans</div></td><td style="vertical-align: bottom; width: 18.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Appraisal of collateral</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Appraisal Adjustments</div></td><td style="vertical-align: bottom; width: 15.3%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">5% - 10% (8%)</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 18.33%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">(Sales Approach)</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Costs to Sell</div></td><td style="vertical-align: bottom; width: 15.3%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">8% - 15% (14%)</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #cceeff;">&#160;</td><td style="vertical-align: bottom; width: 18.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Discounted Cash Flow</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #cceeff;">&#160;</td><td style="vertical-align: bottom; width: 15.3%; background-color: #cceeff;">&#160;</td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 18.33%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 48.21%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 15.3%; background-color: #ffffff;">&#160;</td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Foreclosed real estate</div></td><td style="vertical-align: bottom; width: 18.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Appraisal of collateral</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Appraisal Adjustments</div></td><td style="vertical-align: bottom; width: 15.3%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">&#160;15% - 15% (15%)</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 18.33%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">(Sales Approach)</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Costs to Sell</div></td><td style="vertical-align: bottom; width: 15.3%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">&#160;6% - 8% (7%)</div></td></tr></table></div> 0.08 0.1 0.15 0.07 0.15 0.08 0.07 0.15 0.08 0.15 0.15 0.05 0.15 0.13 0.05 0.08 0.08 0.1 0.14 0.05 0.1 0.06 0.15 0.06 0 130000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">NOTE 22: FAIR VALUE MEASUREMENTS AND DISCLOSURES</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">Accounting guidance related to fair value measurements and disclosures specifies a hierarchy of valuation techniques based on whether the inputs to those valuation techniques are observable or unobservable. Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect the Company's market assumptions. These two types of inputs have created the following fair value hierarchy: </div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">Level 1 &#8211; Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">Level 2 &#8211; Quoted prices for similar assets and liabilities in active markets; quoted prices for identical or similar assets or liabilities in markets that are not active; and model-derived valuations in which all significant inputs and significant value drivers are observable in active markets.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">Level 3 &#8211; Model-derived valuations in which one or more significant inputs or significant value drivers are unobservable.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">An asset's or liability's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">In determining fair value, the Company utilizes valuation techniques that maximize the use of observable inputs, minimize the use of unobservable inputs, to the extent possible, and considers counterparty credit risk in its assessment of fair value.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">The Company used the following methods and significant assumptions to estimate fair value:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">Investment securities:&#160; The fair values of securities available-for-sale are obtained from an independent third party and are based on quoted prices on nationally recognized securities exchanges where available (Level 1).&#160; If quoted prices are not available, fair values are measured by utilizing matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2).&#160; Management made no adjustment to the fair value quotes that were received from the independent third party pricing service. During the third quarter of 2015, the Company purchased $313,000 of the common stock of a community-based financial institution that conducts its operations outside of the Company's primary market area.&#160; During the second quarter of 2016, the Company purchased an additional $130,000 of this common stock. The first purchase was in conjunction with a capital raise by the financial institution that attracted multiple investors and the second purchase was made in a private sale. The stock of this financial institution is not traded on any exchange and there are no quoted market prices available for this security (Level 3).&#160; Management has reviewed the results of the financial operations of the financial institution for the quarter and year ended December 31, 2016 and has concluded that this investment was appropriately valued at the acquisition cost of its most recent purchase, which was considered to be its fair value as of the measurement date.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">Interest rate swap derivative:&#160; The fair value of the interest rate swap derivative is obtained from a third party pricing agent and is calculated based on a discounted cash flow model. All future floating cash flows are projected and both floating and fixed cash flows are discounted to the valuation date.&#160; The curve utilized for discounting and projecting is built by obtaining publicly available third party market quotes for various swap maturity terms, and therefore is classified within Level 2 of the fair value hierarchy.&#160; The swap agreement presented in the accompanying financial statements expired in the second quarter of 2016 and was not renewed.&#160; </div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">Impaired loans: Impaired loans are those loans in which the Company has measured impairment based on the fair value of the loan's collateral or the discounted value of expected future cash flows.&#160; Fair value is generally determined based upon market value evaluations by third parties of the properties and/or estimates by management of working capital collateral or discounted cash flows based upon expected proceeds.&#160; These appraisals may include up to three approaches to value: the sales comparison approach, the income approach (for income-producing property), and the cost approach.&#160; Management modifies the appraised values, if needed, to take into account recent developments in the market or other factors, such as, changes in absorption rates or market conditions from the time of valuation and anticipated sales values considering management's plans for disposition.&#160; Such modifications to the appraised values could result in lower valuations of such collateral. Estimated costs to sell are based on current amounts of disposal costs for similar assets.&#160; These measurements are classified as Level 3 within the valuation hierarchy. Impaired loans are subject to nonrecurring fair value adjustment upon initial recognition or subsequent impairment.&#160; A portion of the allowance for loan losses is allocated to impaired loans if the value of such loans is deemed to be less than the unpaid balance.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">Foreclosed real estate:&#160; Fair values for foreclosed real estate are initially recorded based on market value evaluations by third parties, less costs to sell ("initial cost basis").&#160; Any write-downs required when the related loan receivable is exchanged for the underlying real estate collateral at the time of transfer to foreclosed real estate are charged to the allowance for loan losses.&#160; Values are derived from appraisals, similar to impaired loans, of underlying collateral or discounted cash flow analysis.&#160; Subsequent to foreclosure, valuations are updated periodically and assets are marked to current fair value, not to exceed the initial cost basis.&#160; In the determination of fair value subsequent to foreclosure, management also considers other factors or recent developments, such as, changes in absorption rates and market conditions from the time of valuation and anticipated sales values considering management's plans for disposition.&#160; Either change could result in adjustment to lower the property value estimates indicated in the appraisals.&#160; These measurements are classified as Level 3 within the fair value hierarchy.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">The following tables summarize assets measured at fair value on a recurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value:</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">&#160;</div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Available-for-sale portfolio</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Debt investment securities:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">US Treasury, agencies and GSEs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,184</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,184</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,481</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,481</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,195</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,195</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Asset backed securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,664</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,664</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30,566</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30,566</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">40,986</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">40,986</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,577</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,577</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Equity investment securities:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mutual funds:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr style="height: 12px;"><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Ultra short mortgage fund</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Large cap equity fund</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Common stock - Financial services industry</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">220</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">456</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">676</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total available-for-sale securities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140,873</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">456</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">141,955</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Interest rate swap derivative</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div>&#160;</div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right;">2015 </td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Available-for-sale portfolio</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Debt investment securities:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr style="height: 17px;"><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">US Treasury, agencies and GSEs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,308</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,308</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,300</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,300</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,128</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,128</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">32,573</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">32,573</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,833</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,833</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Equity investment securities:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mutual funds:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Ultra short mortgage fund</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Large cap equity fund</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">583</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">583</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Common stock - Financial services industry</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">46</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">220</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">313</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">579</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total available-for-sale securities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,267</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">97,362</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">313</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">98,942</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr style="height: 19px;"><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Interest rate swap derivative</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(27</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(27</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr></table><div>&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis as of December 31 were as follows:</div><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">&#160;(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Common Stock - Financial Services Industry</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Balance - December 31, 2015</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">313</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Total gains realized/unrealized:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">&#160;Included in earnings</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">&#160;Included in other comprehensive income</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Settlements</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">130</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Sales</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Balance - December 31, 2016</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">456</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Changes in unrealized gains included in earnings related to assets still held at December 31, 2016</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following table summarizes the valuation techniques and significant unobservable inputs used for the Company's investments that are categorized within Level 3 of the fair value hierarchy at the indicated dates:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="8" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">At December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Investment Type</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">&#160;Valuation Techniques</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">&#160;Unobservable Input</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Weight</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Common Stock - Financial Services Industry</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">456</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Inputs to comparables</div></td><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Weight ascribed to comparable companies</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">100</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">&#160;(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="8" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">At December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Investment Type</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">&#160;Valuation Techniques</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">&#160;Unobservable Input</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Weight</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Common Stock - Financial Services Industry</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">313</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Inputs to comparables</div></td><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Weight ascribed to comparable companies</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">100</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Certain assets and liabilities are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment).</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following tables summarize assets measured at fair value on a nonrecurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value:</div><div><br /></div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr style="height: 15px;"><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; font-weight: bold;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; font-weight: bold;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; font-weight: bold; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Impaired loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,049</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,049</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Foreclosed real estate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">393</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">393</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div>&#160;</div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr style="height: 18px;"><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: center;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: center;"><font style="font-weight: bold;">2015</font></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr style="height: 12px;"><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Impaired loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,070</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,070</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Foreclosed real estate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">360</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">360</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div>&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Level 3 inputs were used to determine fair value.</div><div>&#160;</div><div>&#160;</div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; border-collapse: collapse; width: 100%;"><tr><td style="vertical-align: bottom; width: 18.09%;">&#160;</td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.33%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 48.21%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Quantitative Information about Level 3 Fair Value Measurements</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 15.3%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%;">&#160;</td><td style="vertical-align: bottom; width: 18.33%;">&#160;</td><td style="vertical-align: bottom; width: 48.21%;">&#160;</td><td style="vertical-align: bottom; width: 15.3%;">&#160;</td></tr><tr style="height: 17px;"><td style="vertical-align: bottom; width: 18.09%;">&#160;</td><td style="vertical-align: bottom; width: 18.33%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Valuation</div></td><td style="vertical-align: bottom; width: 48.21%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Unobservable</div></td><td style="vertical-align: bottom; width: 15.3%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Range</div></td></tr><tr><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.09%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.33%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Techniques</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 48.21%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Input</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 15.3%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">(Weighted Avg.)</div></td></tr><tr><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.09%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">At December 31, 2016</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.33%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 48.21%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 15.3%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Impaired loans</div></td><td style="vertical-align: bottom; width: 18.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Appraisal of collateral</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Appraisal Adjustments</div></td><td style="vertical-align: bottom; width: 15.3%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">5% - 10% (5%)</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 18.33%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">(Sales Approach)</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Costs to Sell</div></td><td style="vertical-align: bottom; width: 15.3%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">8% - 13% (10%)</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #cceeff;">&#160;</td><td style="vertical-align: bottom; width: 18.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Discounted Cash Flow</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #cceeff;">&#160;</td><td style="vertical-align: bottom; width: 15.3%; background-color: #cceeff;">&#160;</td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 18.33%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 48.21%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 15.3%; background-color: #ffffff;">&#160;</td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Foreclosed real estate</div></td><td style="vertical-align: bottom; width: 18.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Appraisal of collateral</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Appraisal Adjustments</div></td><td style="vertical-align: bottom; width: 15.3%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">&#160;15% - 15% (15%)</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 18.33%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">(Sales Approach)</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Costs to Sell</div></td><td style="vertical-align: bottom; width: 15.3%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">&#160;6% - 8% (7%)</div></td></tr></table><div>&#160;</div></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; border-collapse: collapse; width: 100%;"><tr><td style="vertical-align: bottom; width: 18.09%;">&#160;</td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.33%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 48.21%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Quantitative Information about Level 3 Fair Value Measurements</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 15.3%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%;">&#160;</td><td style="vertical-align: bottom; width: 18.33%;">&#160;</td><td style="vertical-align: bottom; width: 48.21%;">&#160;</td><td style="vertical-align: bottom; width: 15.3%;">&#160;</td></tr><tr style="height: 17px;"><td style="vertical-align: bottom; width: 18.09%;">&#160;</td><td style="vertical-align: bottom; width: 18.33%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Valuation</div></td><td style="vertical-align: bottom; width: 48.21%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Unobservable</div></td><td style="vertical-align: bottom; width: 15.3%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Range</div></td></tr><tr><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.09%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.33%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Techniques</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 48.21%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Input</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 15.3%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">(Weighted Avg.)</div></td></tr><tr><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.09%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">At December 31, 2015</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 18.33%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 48.21%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 15.3%;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Impaired loans</div></td><td style="vertical-align: bottom; width: 18.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Appraisal of collateral</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Appraisal Adjustments</div></td><td style="vertical-align: bottom; width: 15.3%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">5% - 10% (8%)</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 18.33%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">(Sales Approach)</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Costs to Sell</div></td><td style="vertical-align: bottom; width: 15.3%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">8% - 15% (14%)</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #cceeff;">&#160;</td><td style="vertical-align: bottom; width: 18.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Discounted Cash Flow</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #cceeff;">&#160;</td><td style="vertical-align: bottom; width: 15.3%; background-color: #cceeff;">&#160;</td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 18.33%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 48.21%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 15.3%; background-color: #ffffff;">&#160;</td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Foreclosed real estate</div></td><td style="vertical-align: bottom; width: 18.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Appraisal of collateral</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Appraisal Adjustments</div></td><td style="vertical-align: bottom; width: 15.3%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">&#160;15% - 15% (15%)</div></td></tr><tr><td style="vertical-align: bottom; width: 18.09%; background-color: #ffffff;">&#160;</td><td style="vertical-align: bottom; width: 18.33%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">(Sales Approach)</div></td><td style="vertical-align: bottom; width: 48.21%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Costs to Sell</div></td><td style="vertical-align: bottom; width: 15.3%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">&#160;6% - 8% (7%)</div></td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Required disclosures include fair value information of financial instruments, whether or not recognized in the consolidated statement of condition, for which it is practicable to estimate that value.&#160; In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques.&#160; Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company has various processes and controls in place to ensure that fair value is reasonably estimated. The Company performs due diligence procedures over third-party pricing service providers in order to support their use in the valuation process.&#160;</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">While the Company believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Management uses its best judgment in estimating the fair value of the Company's financial instruments; however, there are inherent weaknesses in any estimation technique.&#160; Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sales transaction on the dates indicated.&#160; The estimated fair value amounts have been measured as of their respective period-ends, and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates.&#160; As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each period-end.&#160; </div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company's assets and liabilities.&#160; Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company's disclosures and those of other companies may not be meaningful.&#160; The Company, in estimating its fair value disclosures for financial instruments, used the following methods and assumptions:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Cash and cash equivalents &#8211; The carrying amounts of these assets approximate their fair value and are classified as Level 1.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Interest earning time deposits &#8211; The carrying amounts of these assets approximate their fair value and are classified as Level 1.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Investment securities &#8211; The fair values of securities available-for-sale and held-to-maturity are obtained from an independent third party and are based on quoted prices on nationally recognized exchange where available (Level 1).&#160; If quoted prices are not available, fair values are measured by utilizing matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities, but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2).&#160; Management made no adjustment to the fair value quotes that were received from the independent third party pricing service. During the third quarter of 2015, the Company purchased $313,000 of the common stock of a community-based financial institution that conducts its operations outside of the Company's primary market area.&#160; During the second quarter of 2016, the Company purchased an additional $130,000 of this common stock. The first purchase was in conjunction with a capital raise by the financial institution that attracted multiple investors and the second purchase was made in a private sale. The stock of this financial institution is not traded on any exchange and there are no quoted market prices available for this security (Level 3).&#160; Management has reviewed the results of the financial operations of the financial institution for the quarter and year ended December 31, 2016 and has concluded that this investment was appropriately valued at the acquisition cost of its most recent purchase, which was considered to be its fair value as of the measurement date.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Federal Home Loan Bank stock &#8211; The carrying amount of these assets approximates their fair value and are classified as Level 2.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Net loans &#8211; For variable-rate loans that re-price frequently, fair value is based on carrying amounts.&#160; The fair value of other loans (for example, fixed-rate commercial real estate loans, mortgage loans, and commercial and industrial loans) is estimated using discounted cash flow analysis, based on interest rates currently being offered in the market for loans with similar terms to borrowers of similar credit quality.&#160; Loan value estimates include judgments based on expected prepayment rates.&#160; The measurement of the fair value of loans, including impaired loans, is classified within Level 3 of the fair value hierarchy.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Accrued interest receivable and payable &#8211; The carrying amount of these assets approximates their fair value and are classified as Level 1.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Deposits &#8211; The fair values disclosed for demand deposits (e.g., interest-bearing and noninterest-bearing checking, passbook savings and certain types of money management accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts) and are classified within Level 1 of the fair value hierarchy.&#160; Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates of deposits to a schedule of aggregated expected monthly maturities on time deposits.&#160; Measurements of the fair value of time deposits are classified within Level 2 of the fair value hierarchy.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Borrowings &#8211; Fixed/variable term "bullet" structures are valued using a replacement cost of funds approach.&#160; These borrowings are discounted to the FHLBNY advance curve.&#160; Option structured borrowings' fair values are determined by the FHLB for borrowings that include a call or conversion option.&#160; If market pricing is not available from this source, current market indications from the FHLBNY are obtained and the borrowings are discounted to the FHLBNY advance curve less an appropriate spread to adjust for the option. These measurements are classified as Level 2 within the fair value hierarchy.</div><div>&#160;</div><div>Subordinated Loans &#8211; The Company secures quotes from its pricing service based on a discounted cash flow methodology or utilizes observations of recent highly-similar transactions which result in a Level 2 classification.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Interest rate swap derivative &#8211; The fair value of the interest rate swap derivative is obtained from a third party pricing agent and is calculated based on a discounted cash flow model. All future floating cash flows are projected and both floating and fixed cash flows are discounted to the valuation date.&#160; The curve utilized for discounting and projecting is built by obtaining publicly available third party market quotes for various swap maturity terms, and therefore is classified within Level 2 of the fair value hierarchy. The swap agreement presented in the accompanying financial statements expired in the second quarter of 2016 and was not renewed.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The carrying amounts and fair values of the Company's financial instruments as of December 31 are presented in the following table:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Carrying</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Estimated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Carrying</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Estimated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Hierarchy</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amounts</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair Values</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amounts</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair Values</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Financial assets:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Cash and cash equivalents</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,419</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,419</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,245</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,245</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Investment securities - available-for-sale</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,267</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,267</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Investment securities - available-for-sale</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140,873</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140,873</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">97,362</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">97,362</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Investment securities - available-for-sale</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">456</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">456</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">313</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">313</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Investment securities - held-to-maturity</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,645</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,429</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">44,297</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">45,515</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Federal Home Loan Bank stock</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,250</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,250</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,424</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,424</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net loans</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">485,900</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">484,704</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">424,732</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">428,410</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Accrued interest receivable</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,532</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,532</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,053</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,053</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Financial liabilities:</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Demand Deposits, Savings, NOW and MMDA</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">421,627</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">421,627</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">343,853</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">343,853</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Time Deposits</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">189,356</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">189,197</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">146,462</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">146,158</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Borrowings</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">58,947</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">58,918</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">41,300</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">41,282</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Subordinated loans</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,025</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,310</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,991</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,027</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Accrued interest payable</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">75</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">75</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">199</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">199</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Interest rate swap derivative</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">27</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">27</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> 0 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">The following tables summarize assets measured at fair value on a recurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value:</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">&#160;</div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Available-for-sale portfolio</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Debt investment securities:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">US Treasury, agencies and GSEs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,184</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,184</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,481</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,481</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,195</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,195</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Asset backed securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,664</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,664</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30,566</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30,566</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">40,986</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">40,986</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,577</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,577</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Equity investment securities:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mutual funds:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr style="height: 12px;"><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Ultra short mortgage fund</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Large cap equity fund</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Common stock - Financial services industry</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">220</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">456</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">676</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total available-for-sale securities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140,873</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">456</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">141,955</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Interest rate swap derivative</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div>&#160;</div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; font-weight: bold; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: right;">2015 </td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; font-weight: bold; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Available-for-sale portfolio</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Debt investment securities:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr style="height: 17px;"><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">US Treasury, agencies and GSEs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,308</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,308</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,300</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,300</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,128</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,128</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">32,573</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">32,573</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,833</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,833</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Equity investment securities:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mutual funds:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Ultra short mortgage fund</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Large cap equity fund</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">583</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">583</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Common stock - Financial services industry</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">46</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">220</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">313</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">579</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total available-for-sale securities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,267</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">97,362</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">313</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">98,942</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr style="height: 19px;"><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Interest rate swap derivative</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(27</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(27</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following table summarizes the valuation techniques and significant unobservable inputs used for the Company's investments that are categorized within Level 3 of the fair value hierarchy at the indicated dates:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="8" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">At December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Investment Type</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">&#160;Valuation Techniques</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">&#160;Unobservable Input</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Weight</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Common Stock - Financial Services Industry</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">456</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Inputs to comparables</div></td><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Weight ascribed to comparable companies</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">100</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">&#160;(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="8" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">At December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Investment Type</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">&#160;Valuation Techniques</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">&#160;Unobservable Input</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Weight</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Common Stock - Financial Services Industry</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">313</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Inputs to comparables</div></td><td valign="bottom" style="vertical-align: bottom; width: 25.33%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Weight ascribed to comparable companies</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">100</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following tables summarize assets measured at fair value on a nonrecurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value:</div><div><br /></div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr style="height: 15px;"><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; font-weight: bold;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; font-weight: bold;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; font-weight: bold; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Impaired loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,049</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,049</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Foreclosed real estate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">393</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">393</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div>&#160;</div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr style="height: 18px;"><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: center;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: center;"><font style="font-weight: bold;">2015</font></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr style="height: 12px;"><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Impaired loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,070</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,070</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Foreclosed real estate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">360</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">360</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The carrying amounts and fair values of the Company's financial instruments as of December 31 are presented in the following table:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Carrying</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Estimated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Carrying</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Estimated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Hierarchy</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amounts</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair Values</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amounts</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair Values</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Financial assets:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Cash and cash equivalents</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,419</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,419</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,245</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,245</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Investment securities - available-for-sale</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,267</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,267</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Investment securities - available-for-sale</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140,873</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140,873</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">97,362</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">97,362</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Investment securities - available-for-sale</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">456</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">456</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">313</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">313</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Investment securities - held-to-maturity</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,645</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,429</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">44,297</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">45,515</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Federal Home Loan Bank stock</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,250</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,250</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,424</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,424</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net loans</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">485,900</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">484,704</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">424,732</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">428,410</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Accrued interest receivable</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,532</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,532</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,053</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,053</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Financial liabilities:</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Demand Deposits, Savings, NOW and MMDA</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">421,627</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">421,627</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">343,853</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">343,853</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Time Deposits</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">189,356</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">189,197</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">146,462</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">146,158</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Borrowings</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">58,947</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">58,918</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">41,300</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">41,282</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Subordinated loans</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,025</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,310</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,991</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,027</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Accrued interest payable</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">75</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">75</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">199</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">199</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Interest rate swap derivative</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">27</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">27</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis as of December 31 were as follows:</div><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">&#160;(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Common Stock - Financial Services Industry</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Balance - December 31, 2015</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">313</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Total gains realized/unrealized:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">&#160;Included in earnings</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">&#160;Included in other comprehensive income</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Settlements</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">130</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Sales</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Balance - December 31, 2016</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">456</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Changes in unrealized gains included in earnings related to assets still held at December 31, 2016</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> 313000 456000 345000 408000 2424000 3250000 980000 929000 7000000 2000000 8000000 1397000 1486000 1141000 1155000 530000 557000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Loans</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company grants mortgage, commercial, municipal, and consumer loans to customers.&#160; Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are stated at their outstanding unpaid principal balances, less the allowance for loan losses plus net deferred loan origination costs. The ability of the Company's debtors to honor their contracts is dependent upon the real estate and general economic conditions in the market area.&#160; Interest income is generally recognized when income is earned using the interest method. Nonrefundable loan fees received and related direct origination costs incurred are deferred and amortized over the life of the loan using the interest method, resulting in a constant effective yield over the loan term. Deferred fees are recognized into income and deferred costs are charged to income immediately upon prepayment of the related loan.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The loans receivable portfolio is segmented into residential mortgage, commercial and consumer loans.&#160; The residential mortgage segment consists of one-to-four family first-lien residential mortgages and construction loans.&#160; Commercial loans consist of the following classes: real estate, lines of credit, other commercial and industrial, and tax-exempt loans.&#160; Consumer loans include both home equity lines of credit and loans with junior liens and other consumer loans.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Foreclosed Real Estate</div><div><br /></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-top: 5pt;">Physical possession of residential real estate property collateralizing a residential mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrower conveys all interest in the property to satisfy the loan through completion of a deed-in-lieu of foreclosure or through a similar legal agreement.&#160; Properties acquired through foreclosure, or by deed-in-lieu of foreclosure, are recorded at their fair value less estimated costs to sell.&#160; Fair value is typically determined based on evaluations by third parties.&#160; Costs incurred in connection with preparing the foreclosed real estate for disposition are capitalized to the extent that they enhance the overall fair value of the property. Any write-downs on the asset's fair value less costs to sell at the date of acquisition are charged to the allowance for loan losses.&#160; Subsequent write downs and expenses of foreclosed real estate are included as a valuation allowance and recorded in noninterest expense.</div></div> 0 0 207813000 482849000 18841000 8505000 27823000 178154000 24122000 12523000 9081000 22971000 202866000 4852000 54154000 194361000 22406000 148037000 66673000 249639000 6222000 7924000 421714000 30344000 186078000 125737000 1223000 973000 2215000 146000 34000 4453000 194000 1247000 1863000 0 15000 216000 819000 375000 132000 832000 20000 0 159000 50000 9763000 157000 8872000 351000 0 0 1247000 526000 2661000 0 2694000 14000 5318000 1063000 3769000 0 0 13000 1115000 135000 338000 1715000 0 113000 808000 0 2560000 333000 3238000 808000 2560000 365000 600000 640000 4811000 671000 360000 1174000 8000 0 0 2380000 0 388000 0 0 3575000 0 832000 1115000 0 174000 3638000 1119000 940000 5000 71000 0 819000 0 4708000 745000 375000 3638000 105000 1715000 4639000 0 1377000 0 492000 4639000 0 170000 0 370000 10000 11000 0 53000 10000 0 0 0 40000 14000 0 6000 0 13000 59000 10000 0 38000 107000 157000 0 0 0 117000 1130000 455000 0 0 0 0 960000 5000 2000 0 0 0 193000 5000 553000 760000 234000 242000 0 147000 206000 0 0 519000 308000 0 61000 0 1149000 0 0 69000 26000 103000 272000 0 365000 1863000 2694000 0 50000 2560000 3238000 1715000 2560000 174000 338000 5000 370000 4811000 5318000 640000 1223000 1715000 388000 360000 0 0 145626000 8505000 125076000 7924000 23175000 9081000 24237000 6293000 197387000 181319000 484020000 22825000 424051000 4881000 12523000 18456000 54139000 66624000 2088000 69000 678000 127000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following table presents the segments and classes of the loan portfolio summarized by the aggregate pass rating and the criticized and classified ratings of special mention, substandard and doubtful within the Company's internal risk rating system:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">As of December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Special</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Pass</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Mention</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Substandard</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Doubtful</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">194,377</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,445</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,115</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,063</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">199,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Construction</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total residential mortgage loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">202,882</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,445</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,115</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,063</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">207,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Commercial loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Real estate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">143,126</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,714</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,858</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">150,698</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,141</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">684</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">400</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,225</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66,279</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">661</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">702</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67,646</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Tax exempt loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,523</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,523</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total commercial loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">244,069</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,059</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,960</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">254,092</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Consumer loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,963</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">170</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">389</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">200</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,722</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,224</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">44</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,293</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total consumer loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30,187</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">187</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">397</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">244</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31,015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">477,138</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,691</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,472</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,311</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">492,612</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">As of December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Special</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Pass</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Mention</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Substandard</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Doubtful</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">177,244</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,375</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,425</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">748</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">181,792</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Construction</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,924</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,924</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total residential mortgage loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">185,168</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,375</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,425</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">748</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">189,716</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Commercial loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Real estate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">121,283</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,345</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,878</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">129,506</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17,358</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,469</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">208</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">19,035</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53,540</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">848</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">504</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,899</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Tax exempt loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total commercial loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">201,262</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,662</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,590</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">212,521</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Consumer loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,780</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">182</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">287</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">214</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,463</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,840</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,886</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total consumer loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">27,620</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">213</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">302</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">214</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">28,349</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">414,050</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,250</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,317</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">969</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">430,586</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> 324000 135000 2088000 79000 581000 0 0 5706000 118000 98000 401000 3000 2801000 2983000 350000 56000 1034000 1270000 388000 509000 0 5349000 3000 460000 1658000 0 759000 6247000 166000 0 1000 2935000 397000 331000 0 0 2 1 3 1 1000 397000 0 581000 3000 0 118000 4746000 2223000 642000 326000 0 1105000 1077000 5117000 396000 166000 2480000 0 348000 473000 8592000 485000 400000 288000 5000 1022000 0 4430000 0 760000 0 579000 5072000 0 6535000 1613000 0 118000 16000 214000 198000 16000 16000 16000 175000 214000 P15Y 16000 16000 16000 517000 597000 182000 393000 594000 422000 422000 594000 85000 594000 422000 33000 10000 85000 0 -50000 1000 268000 329000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Goodwill and Intangible Assets</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Goodwill represents the excess cost of an acquisition over the fair value of the net assets acquired.&#160; Goodwill is not amortized, but is evaluated annually for impairment.&#160; Intangible assets, such as customer relationships, are amortized over their useful lives, generally 15 years.</div></div> 4536000 4536000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 10: GOODWILL AND INTANGIBLE ASSETS</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Goodwill represents the excess cost of an acquisition over the fair value of the net assets acquired. Goodwill is not amortized, but is evaluated annually for impairment or between annual evaluations in certain circumstances. Management performs an annual assessment of the Company's goodwill to determine whether or not any impairment of the carrying value may exist.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Of the $4.5 million of goodwill carried on the Company's books as of December 31, 2016, $3.8 million of this amount was due to prior periods acquisitions of bank branches and $696,000 was due to the 2013 acquisition of the FitzGibbons Agency by Pathfinder Risk Management Company, Inc. and the 2015 acquisition of the Huntington Agency in suburban Syracuse.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company is permitted to assess qualitative factors to determine if it is more likely than not that the fair value of the reporting unit is less than the carrying value.&#160; Based on the results of the assessment, management has determined that the carrying value of goodwill in the amount of $4.5 million is not impaired as of December 31, 2016.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The identifiable intangible asset of $198,000 as of December 31, 2016 was due to the acquisition of the FitzGibbons and Huntington Agencies and represents the amortized carrying amount of the customer lists intangible. The weighted average amortization period of this intangible asset is 7.0 years.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The gross carrying amount and annual amortization for this identifiable intangible asset are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Gross carrying amount</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">214</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">175</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Addition due to Huntington Agency purchase</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">55</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Amortization recognized in the year</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net amortizing intangibles</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">198</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">214</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The estimated amortization expense for each of the five succeeding years ended December 31, is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2017</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2018</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2019</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2020</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2021</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Thereafter</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">118</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">198</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> 696000 3800000 15663000 10173000 137000 0 96000 30000 81000 1255000 572000 103000 881000 814000 53000 31000 85000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3000 5000 20000 0 0 1030000 37000 0 29000 228000 18000 693000 71000 17823000 15010000 37000 71000 3000 228000 0 1030000 693000 0 0 5000 0 29000 20000 18000 0 0 0 693000 37000 20000 71000 0 228000 3000 29000 18000 5000 1030000 18139000 10038000 795000 4402000 225000 0 0 3990000 0 18687000 2970000 0 1869000 1396000 982000 54645000 44297000 6386000 7860000 2914000 7763000 4928000 4175000 1467000 2927000 30697000 8240000 21585000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 18687000 0 982000 3990000 225000 795000 4402000 2970000 0 10038000 1869000 0 1396000 0 10259000 54429000 45515000 22466000 1396000 7912000 30576000 7895000 3023000 4225000 6397000 8097000 3017000 4940000 45515000 54645000 54429000 44297000 206000 205000 53000 0 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following table summarizes impaired loans information by portfolio class:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unpaid</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unpaid</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Recorded</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Principal</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Related</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Recorded</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Principal</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Related</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Investment</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Balance</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Allowance</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Investment</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Balance</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Allowance</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">With no related allowance recorded:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">850</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">857</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">473</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">473</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Commercial real estate</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,254</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,344</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,580</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,709</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Commercial lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">400</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">400</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">574</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">597</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">470</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">470</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">536</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">569</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">187</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">187</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">With an allowance recorded:</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">763</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">763</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Commercial real estate</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">818</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">872</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">455</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,850</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,963</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">760</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Commercial lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">552</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">552</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">553</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">224</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">230</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">193</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">345</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">345</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">101</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">101</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Total:</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,613</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,620</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">473</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">473</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Commercial real estate</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,072</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,216</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">455</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,430</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,672</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">760</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Commercial lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">400</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">400</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">579</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">602</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,022</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,022</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">553</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">760</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">799</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">193</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">485</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">485</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">288</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">288</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 36pt;">Totals</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,592</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,743</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,130</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,535</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,840</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">960</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> 1963000 0 345000 872000 101000 763000 552000 0 230000 5000 224000 1850000 818000 552000 0 763000 5000 345000 101000 0 0 2580000 4254000 850000 400000 5000 470000 473000 140000 574000 187000 536000 4672000 473000 1620000 288000 8743000 485000 1022000 400000 5216000 799000 0 602000 6840000 6000 6632000 7048000 803000 671000 305000 7000 4325000 520000 777000 4742000 724000 2000 479000 325000 1130000 5000 193000 553000 0 0 5000 2000 455000 760000 117000 0 0 960000 4430000 473000 1022000 8592000 400000 485000 6535000 760000 579000 288000 0 1613000 5000 5072000 140000 2709000 4344000 470000 473000 6000 857000 187000 0 597000 400000 569000 66000 161000 0 13000 0 29000 92000 304000 0 0 64000 0 17000 138000 4003000 4409000 -544000 -998000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-weight: bold;">NOTE 17: INCOME TAXES</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The provision for income taxes for the years ended December 31, is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Current</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,360</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">955</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Deferred</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(249</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">116</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,111</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,071</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">The provision for income taxes includes the following:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Federal Income Tax</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">980</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">929</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">State Tax</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">131</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">142</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,111</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,071</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">The components of the net deferred tax liability, included in other liabilities as of December 31, are as follows:<br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Assets:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Deferred compensation</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">912</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">858</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Allowance for loan losses</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,392</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,185</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Postretirement benefits</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">56</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">61</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Subordinated loan interest</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Investment securities and financial derivative</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,229</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Impairment losses on investment securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">88</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">155</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Loan origination fees</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">184</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Capital loss carryforward</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">62</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">120</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Held-to-maturity securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">310</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">417</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">166</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">121</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,436</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,983</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Liabilities:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Prepaid pension</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,605</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,336</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Depreciation</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,083</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,011</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Accretion</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(211</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(145</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Loan origination fees</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Intangible assets</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,470</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,470</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Investment securities and financial derivative</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(21</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mortgage servicing rights</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(15</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(20</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Prepaid expenses and transaction fees</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(204</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(97</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(4,588</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(4,100</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">848</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Less: deferred tax asset valuation allowance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(150</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(265</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Net deferred tax asset</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">698</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(382</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Realization of deferred tax assets is dependent upon the generation of future taxable income or the existence of sufficient taxable income within the carry back period.&#160; A valuation allowance is provided when it is more likely than not that some portion, or all of the deferred tax assets, will not be realized.&#160; In assessing the need for a valuation allowance, management considers the scheduled reversal of the deferred tax liabilities, the level of historical taxable income and the projected future level of taxable income over the periods in which the temporary differences comprising the deferred tax assets will be deductible.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The judgment about the level of future taxable income is inherently subjective and is reviewed on a continual basis as regulatory and business factors change. The valuation allowance of $150,000 at December 31, 2016 represents the portion of the deferred tax asset that management believes may not be realizable, as the Company may not generate sufficient capital gains in future years to offset its existing cumulative capital losses prior to the expiration of the related capital loss carryforward tax benefits.&#160; The deferred tax allowance was $265,000 at December 31, 2015.&#160; The $115,000 decrease in this allowance between December 31, 2015 and December 31, 2016, relates primarily to the reduction in current taxes payable resulting from capital gain income that was realized in 2016.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">A reconciliation of the federal statutory income tax rate to the effective income tax rate for the years ended December 31, is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Federal statutory income tax rate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">34.0</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">34.0</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">State tax, net of federal benefit</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1.9</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2.3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Tax-exempt interest income</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(8.6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(8.1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Increase in value of bank owned life insurance less premiums paid</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2.0</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3.0</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Change in valuation allowance</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2.6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(4.8</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Other</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2.5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Effective income tax rate</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">25.2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">26.8</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr></table></div> 1071000 1111000 -162000 -254000 -10000 -89000 -24000 236000 169000 -74000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Income Taxes</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Provisions for income taxes are based on taxes currently payable or refundable and deferred income taxes on temporary differences between the tax basis of assets and liabilities and their reported amounts in the consolidated financial statements. Deferred tax assets and liabilities are reported in the consolidated financial statements at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized or settled.</div></div> 1237000 970000 479000 204000 57830000 80850000 9936000 28594000 -600000 -574000 95000 -152000 85000 67000 1682000 1609000 198000 214000 18450000 20703000 24093000 21424000 4000 112000 2657000 3804000 300000 880000 199000 75000 257000 270000 61000 25000 792000 300000 138000 301000 1962000 2441000 20289000 18767000 19336000 17418000 2012000 2360000 21000 64000 2521000 3928000 832000 763000 27000 0 0 0 0 0 0 27000 2532000 2053000 535701000 428636000 15451000 5621000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Investment Securities</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company classifies investment securities as either available-for-sale or held-to-maturity.&#160; The Company does not hold any securities considered to be trading.&#160; Available-for-sale securities are reported at fair value, with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of the applicable income tax effect.&#160; Held-to-maturity securities are those that the Company has the ability and intent to hold until maturity and are reported at amortized cost.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Gains or losses on investment security transactions are based on the amortized cost of the specific securities sold.&#160; Premiums and discounts on securities are amortized and accreted into income using the interest method over the period to maturity.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Note 4 to the consolidated financial statements includes additional information about the Company's accounting policies with respect to the impairment of investment securities.</div></div> 3250000 3250000 2424000 2424000 1267000 140873000 313000 97362000 141955000 456000 626000 98942000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">NOTE 4: INVESTMENT SECURITIES</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The amortized cost and estimated fair value of investment securities are summarized as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Estimated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Gains</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Available-for-Sale Portfolio</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Debt investment securities:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">US Treasury, agencies and GSEs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,263</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(80</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,184</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17,185</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">33</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(737</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,481</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,560</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">20</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(385</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,195</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Asset backed securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,696</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,664</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31,204</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30,566</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">42,124</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">45</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,183</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">40,986</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,682</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,577</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">143,714</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">104</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,165</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140,653</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Equity investment securities:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mutual funds:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Ultra short mortgage fund</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">643</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Common stock - financial services industry</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">663</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">676</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,306</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,302</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total available-for-sale</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">145,020</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,182</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">141,955</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Held-to-Maturity Portfolio</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Debt investment securities:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">US Treasury, agencies and GSEs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,928</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(18</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,940</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30,697</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">572</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(693</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30,576</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,240</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">85</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(228</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,097</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,386</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(20</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,397</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,927</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">96</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,023</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,467</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(71</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,396</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total held-to-maturity</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,645</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">814</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,030</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,429</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Estimated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Gains</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Available-for-Sale Portfolio</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Debt investment securities:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">US Treasury, agencies and GSEs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,380</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(85</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,308</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,198</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">107</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,300</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,173</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">51</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(96</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,128</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">32,740</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">113</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(280</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">32,573</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,880</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">95</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(142</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,833</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">97,371</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">379</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(608</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">97,142</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Equity investment securities:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mutual funds:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Ultra short mortgage fund</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">643</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Large cap equity fund</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">456</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">127</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">583</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Common stock - financial services industry</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">554</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">25</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">579</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,653</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">152</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,800</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total available-for-sale</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">99,024</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">531</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(613</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">98,942</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Held-to-Maturity Portfolio</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Debt investment securities:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">US Treasury, agencies and GSEs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,860</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">81</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(29</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,912</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,585</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">881</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,466</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,175</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,225</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,763</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">137</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,895</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,914</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">103</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,017</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total held-to-maturity</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">44,297</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,255</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">45,515</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The majority of the Company's investments in mortgage-backed securities include pass-through securities and collateralized mortgage obligations issued and guaranteed by Fannie Mae, Freddie Mac, and Ginnie Mae.&#160; As of December 31, 2016, the Company also held a total of seven private-label mortgage-backed securities or collateralized mortgage obligations with an aggregate book balance of $9.8 million and five private-label asset backed securities collateralized by consumer loans with an aggregate book balance of $6.7 million.&#160; These investments are relatively short-duration securities with significant credit enhancements.&#160; There were no private-label investments in the securities portfolio at December 31, 2015.&#160; The Company's investments in state and political obligation securities are generally municipal obligations that are categorized as general obligations of the issuer that are supported by the overall taxing authority of the issuer, and in some cases are insured.&#160; The obligations issued by school districts are generally supported by state administered insurance funds or credit enhancement programs.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The amortized cost and estimated fair value of debt investments at December 31, 2016 by contractual maturity are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties.</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: center;">Available-for-Sale</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: center;">Held-to-Maturity</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Estimated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Estimated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Due in one year or less</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,678</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,680</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">206</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">205</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Due after one year through five years</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">27,008</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">26,854</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,173</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,259</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Due after five years through ten years</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,732</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,545</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17,823</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,139</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Due after ten years</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">11,286</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,445</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,663</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,010</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Sub-total</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">63,704</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">62,524</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">43,865</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">43,613</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31,204</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30,566</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,386</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,397</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">42,124</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">40,986</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,927</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,023</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,682</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,577</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,467</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,396</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Totals</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">143,714</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140,653</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,645</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,429</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div>&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company's investment securities' gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, is as follows:</div><div><br /></div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="34" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Less than Twelve Months</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Twelve Months or More</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Individual</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Individual</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Individual</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Securities</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Securities</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Securities</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(Dollars in thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Available-for-Sale</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">US Treasury, agencies and GSE's</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(80</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,161</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(80</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,161</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(737</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,057</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(737</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,057</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(385</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,587</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(385</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,587</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Asset backed securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,455</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,455</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Equity and other investments</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">29,849</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">29,849</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">28</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,087</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">33,376</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(96</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,514</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">32</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,183</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">35,890</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,577</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,577</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Totals</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">129</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,086</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">121,688</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(96</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,514</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">133</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,182</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">124,202</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Held-to-Maturity</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">US Treasury, agencies and GSE's</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(18</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">982</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(18</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">982</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(693</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,038</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(693</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,038</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(228</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,402</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(228</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,402</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(20</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,869</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(20</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,869</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(71</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,396</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(71</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,396</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Totals</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">26</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,030</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,687</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">26</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,030</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,687</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /> &#160;</div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="34" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Less than Twelve Months</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Twelve Months or More</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Individual</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Individual</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Individual</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Securities</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Securities</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Securities</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(Dollars in thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Available-for-Sale</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">US Treasury, agencies and GSE's</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(70</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13,382</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(15</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">984</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(85</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,366</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,894</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">339</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,233</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(57</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,123</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(39</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,820</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(96</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,943</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Asset backed securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Equity and other investments</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(148</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">20,204</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(132</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,812</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">19</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(280</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">25,016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(80</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,618</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(62</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,789</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(142</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,407</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Totals</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(364</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">52,859</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(249</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,744</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(613</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">63,603</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Held-to-Maturity</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">US Treasury, agencies and GSE's</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(29</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,970</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(29</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,970</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">225</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">225</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">795</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">795</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Totals</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,990</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,990</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company conducts a formal review of investment securities on a quarterly basis for the presence of other-than-temporary impairment ("OTTI").&#160; The Company assesses whether OTTI is present when the fair value of a debt security is less than its amortized cost basis at the statement of condition date.&#160; Under these circumstances, OTTI is considered to have occurred (1) if we intend to sell the security; (2) if it is "more likely than not" we will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows is not anticipated to be sufficient to recover the entire amortized cost basis.&#160; The guidance requires that credit-related OTTI is recognized in earnings while non-credit-related OTTI on securities not expected to be sold is recognized in other comprehensive income ("OCI").&#160; Non-credit-related OTTI is based on other factors, including illiquidity and changes in the general interest rate environment.&#160; Presentation of OTTI is made in the consolidated statement of income on a gross basis, including both the portion recognized in earnings as well as the portion recorded in OCI.&#160; The gross OTTI would then be offset by the amount of non-credit-related OTTI, showing the net as the impact on earnings.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Management does not believe any individual unrealized loss in other securities within the portfolio as of December 31, 2016 represents OTTI.&#160; All securities which have been in an unrealized loss position for 12 months or more are issued by United States agencies or government sponsored enterprises and consist of mortgage-backed securities, collateralized mortgage obligations and direct agency financings.&#160; These positions in US government agency and government-sponsored enterprises are deemed to have no credit impairment, thus, the disclosed unrealized losses relate directly to changes in interest rates subsequent to the acquisition of the individual securities.&#160; The Company does not intend to sell these securities, nor is it more likely than not that the Company will be required to sell these securities prior to the recovery of the amortized cost.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In determining whether OTTI has occurred for equity securities, the Company considers the applicable factors described above and the length of time the equity security's fair value has been below the carrying amount. Management has determined that we have the intent and ability to retain its equity securities for a sufficient period of time to allow for recovery. At December 31, 2016 and 2015, the Company had one mutual fund investment, categorized as an equity security, with a fair value below its book value.&#160; This security, which represents an ownership interest in a mutual fund primarily invested in adjustable-rate mortgage securities, had a fair value of $626,000 at December 31, 2016, which was below its book value by $17,000 at that date.&#160; This same security had a fair value of $638,000 at December 31, 2015 and that value was $5,000 below its book value at that date.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Proceeds of $33.2 million and $25.2 million, respectively on sales and redemptions of securities for the years ended December 31 resulted in gross realized gains (losses) detailed below:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Realized gains on investments</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">526</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">439</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Realized gains on hedging activity</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">85</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Realized losses on investments</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">594</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">422</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">As of December 31, 2016 and December 31, 2015, securities with a fair value of $96.4 million and $89.7 million, respectively, were pledged to collateralize certain municipal deposit relationships.&#160; As of the same dates, securities with a fair value of $12.9 million and $17.8 million were pledged against certain borrowing arrangements.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Management has reviewed its loan and mortgage-backed securities portfolios and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages.&#160; The Company is not in the practice of investing in, or originating, these types of investments or loans.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The amortized cost and estimated fair value of debt investments at December 31, 2016 by contractual maturity are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties.</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: center;">Available-for-Sale</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: center;">Held-to-Maturity</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Estimated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Estimated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Due in one year or less</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,678</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,680</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">206</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">205</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Due after one year through five years</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">27,008</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">26,854</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,173</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,259</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Due after five years through ten years</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,732</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,545</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17,823</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,139</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Due after ten years</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">11,286</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,445</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,663</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,010</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Sub-total</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">63,704</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">62,524</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">43,865</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">43,613</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31,204</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30,566</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,386</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,397</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">42,124</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">40,986</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,927</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,023</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,682</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,577</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,467</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,396</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Totals</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">143,714</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140,653</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,645</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,429</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> 64519000 67281000 15025000 14991000 552025000 690673000 623254000 749034000 73790000 86635000 14400000 12900000 1562000 6247000 5706000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Allowance for Loan Losses</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The allowance for loan losses represents management's estimate of losses inherent in the loan portfolio as of the date of the statement of condition and it is recorded as a reduction of loans.&#160; The allowance is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries.&#160; Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance.&#160; All, or part, of the principal balance of loans receivable are charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely.&#160; Non-residential consumer loans are generally charged off no later than 120 days past due on a contractual basis, unless productive collection efforts are providing results.&#160; Consumer loans may be charged off earlier in the event of bankruptcy, or if there is an amount that is deemed uncollectible.&#160; No portion of the allowance for loan losses is restricted to any individual loan product and the entire allowance is available to absorb any and all loan losses.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated.&#160; Management performs a quarterly evaluation of the adequacy of the allowance.&#160; The allowance is based on three major components which are; specific components for larger loans, recent historical losses and several qualitative factors applied to a general pool of loans, and an unallocated component.</div><div style="text-align: justify;"><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The first component is the specific component that relates to loans that are classified as impaired.&#160; For these loans, an allowance is established when the discounted cash flows or collateral value of the impaired loan is lower than the carrying value of that loan.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The second or general component covers pools of loans, by loan class, not considered impaired, smaller balance homogeneous loans, such as residential real estate, home equity and other consumer loans.&#160; These pools of loans are evaluated for loss exposure first based on historical loss rates for each of these categories of loans. The ratio of net charge-offs to loan outstandings within each product class, over the most recent eight quarters, lagged by one quarter, is used to generate the historical loss rates.&#160; In addition, qualitative factors are added to the historical loss rates in arriving at the total allowance for loan loss need for this general pool of loans.&#160; The qualitative factors include changes in national and local economic trends, the rate of growth in the portfolio, trends of delinquencies and nonaccrual balances, changes in loan policy, and changes in lending management experience and related staffing.&#160; Each factor is assigned a value to reflect improving, stable or declining conditions based on management's best judgment using relevant information available at the time of the evaluation.&#160; These qualitative factors, applied to each product class, make the evaluation inherently subjective, as it requires material estimates that may be susceptible to significant revision as more information becomes available.&#160; Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for loan loss analysis and calculation.&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The third or unallocated component is maintained to cover uncertainties that could affect management's estimate of probable losses.&#160; The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio and generally comprises less than 10% of the total allowance for loan loss.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.&#160; Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due.&#160; Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.&#160; Management determines the significance of payment delays and shortfalls on a case-by case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length and reason for the delay, the borrower's prior payment record and the amount of shortfall in relation to what is owed.&#160; Impairment is measured by either the present value of the expected future cash flows discounted at the loan's effective interest rate or the fair value of the underlying collateral if the loan is collateral dependent.&#160; The majority of the Company's loans utilize the fair value of the underlying collateral.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">An allowance for loan loss is established for an impaired loan if its carrying value exceeds its estimated fair value.&#160; The estimated fair values of substantially all of the Company's impaired loans are measured based on the estimated fair value of the loan's collateral.&#160; For loans secured by real estate, estimated fair values are determined primarily through third-party appraisals, less costs to sell.&#160; Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value.&#160; The discounts also include estimated costs to sell the property.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower's financial statements, inventory reports, accounts receivable agings or equipment appraisals or invoices.&#160; Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Large groups of homogeneous loans are collectively evaluated for impairment.&#160; Accordingly, the Company does not separately identify individual residential mortgage loans less than $300,000, home equity and other consumer loans for impairment disclosures, unless such loans are related to borrowers with impaired commercial loans or they are subject to a troubled debt restructuring agreement.&#160; Loans that are related to borrowers with impaired commercial loans or are subject to a troubled debt restructuring agreement are evaluated individually for impairment. .</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Commercial loans whose terms are modified are classified as troubled debt restructurings if the Company grants such borrowers concessions and it is deemed that those borrowers are experiencing financial difficulty.&#160; Concessions granted under a troubled debt restructuring generally include but are not limited to a temporary reduction in the interest rate or an extension of a loan's stated maturity date.&#160; Commercial loans classified as troubled debt restructurings are designated as impaired and evaluated individually as discussed above.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The allowance calculation methodology includes further segregation of loan classes into risk rating categories.&#160; The borrower's overall financial condition, repayment sources, guarantors and value of the collateral, if appropriate, are evaluated not less than annually for commercial loans or when credit deficiencies arise on all loans.&#160; Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss.&#160; See Note 5 for a description of these regulatory classifications.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In addition, Federal and State regulatory agencies, as an integral part of their examination process, periodically review the Company's allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management.&#160; Based on management's comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate.</div></div> 148000 465000 2122000 430438000 492147000 254092000 430586000 150698000 24722000 189716000 12523000 31015000 207505000 67646000 7924000 181792000 4886000 19035000 199000000 23225000 129506000 212521000 9081000 492612000 54899000 23463000 28349000 8505000 6293000 684000 244069000 15000 0 170000 7472000 661000 244000 0 4345000 213000 6662000 1445000 27620000 287000 2115000 4590000 0 0 8000 1063000 0 748000 0 12523000 4840000 194377000 702000 477138000 6691000 17000 8250000 23963000 200000 121283000 7924000 397000 504000 4960000 214000 31000 53540000 3878000 17358000 748000 1063000 22780000 302000 969000 3714000 389000 6224000 848000 2425000 1375000 2425000 185168000 400000 8505000 7000 1375000 0 0 182000 177244000 0 2115000 0 1445000 22141000 1469000 4000 30187000 208000 0 5059000 0 187000 1311000 201262000 0 3858000 44000 0 214000 0 66279000 0 9081000 4000 7000 0 202882000 143126000 7317000 414050000 9081000 150698000 12523000 199000000 181792000 4886000 23463000 19035000 8505000 7924000 6293000 23225000 129506000 24722000 67646000 54899000 10324000 10884000 424732000 484704000 485900000 428410000 140300000 125800000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 5: LOANS</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Major classifications of loans are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">199,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">181,792</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Construction</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,924</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total residential mortgage loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">207,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">189,716</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Commercial loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Real estate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">150,698</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">129,506</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,225</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">19,035</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67,646</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,899</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Tax exempt loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,523</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total commercial loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">254,092</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">212,521</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Consumer loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,722</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,463</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,293</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,886</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total consumer loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31,015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">28,349</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">492,612</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">430,586</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Net deferred loan fees</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(465</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(148</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Less allowance for loan losses</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(6,247</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5,706</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Loans receivable, net</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">485,900</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">424,732</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company originates residential mortgage, commercial and consumer loans largely to customers throughout Oswego, Onondaga and surrounding counties. Although the Company has a diversified loan portfolio, a substantial portion of its borrowers' abilities to honor their contracts is dependent upon the counties' employment and economic conditions.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">As of December 31, 2016 and December 31, 2015, residential mortgage loans with a carrying value of $140.3 million and $125.8 million, respectively, have been pledged by the Company to the Federal Home Loan Bank of New York ("FHLBNY") under a blanket collateral agreement to secure the Company's line of credit and term borrowings.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: justify;">Loan Origination / Risk Management</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company has lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk.&#160; Management and the board of directors reviews and approves these policies and procedures on a regular basis.&#160; A reporting system supplements the review process by frequently providing management with reports related to loan production, loan quality, loan delinquencies, nonperforming and potential problem loans.&#160; Diversification in the loan portfolio is a means of managing risk associated with fluctuations in economic conditions.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Risk Characteristics of Portfolio Segments</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Each portfolio segment generally carries its own unique risk characteristics.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The residential mortgage loan segment is impacted by general economic conditions, unemployment rates in the Bank's service area, real estate values and the forward expectation of improvement or deterioration in economic conditions.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The commercial loan segment is impacted by general economic conditions but, more specifically, the industry segment in which each borrower participates.&#160;&#160;Unique competitive changes within a borrower's specific industry, or geographic location could cause significant changes in the borrower's revenue stream, and therefore, impact its ability to repay its obligations.&#160; Commercial real estate is also subject to general economic conditions but changes within this segment typically lag changes seen within the consumer and commercial segment.&#160;&#160;Included within this portfolio are both owner occupied real estate, in which the borrower occupies the majority of the real estate property and upon which the majority of the sources of repayment of the obligation is dependent upon, and non-owner occupied real estate, in which several tenants comprise the repayment source for this portfolio segment.&#160;&#160;The composition and competitive position of the tenant structure may cause adverse changes in the repayment of debt obligations for the non-owner occupied class within this segment.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The consumer loan segment is impacted by general economic conditions, unemployment rates in the Company's service area, and the forward expectation of improvement or deterioration in economic conditions.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Real estate loans, including residential mortgages, commercial real estate loans and home equity, comprise 78% of the portfolio in 2016, substantially identical to the composition in 2015, where such loans represented 81% of total loans.&#160; Loans secured by real estate generally provide strong collateral protection and thus significantly reduce the inherent credit risk in the portfolio.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Management has reviewed its loan portfolio and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages.&#160; The Company is not in the practice of originating these types of loans.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Description of Credit Quality Indicators</div><div style="text-align: justify;"><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company utilizes an eight tier risk rating system to evaluate the quality of its loan portfolio.&#160; Loans that are risk rated "1" through "4" are considered "Pass" loans.&#160; In accordance with regulatory guidelines, loans rated "5" through "8" are termed "criticized" loans and loans rated "6" through "8" are termed "classified" loans.&#160; A description of the Company's credit quality indicators follows.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: justify;">For Commercial Loans:</div><div><br /></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">1.</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><u>Prime</u></font>:&#160; A loan that is fully secured by properly margined Pathfinder Bank deposit account(s) or an obligation of the US Government.&#160; It may also be unsecured if it is supported by a very strong financial condition and, in the case of a commercial loan, excellent management.&#160; There exists an unquestioned ability to repay the loan in accordance with its terms.</div></td></tr></table></div><div><br /></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">2.</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><u>Strong</u></font>:&#160; Desirable relationship of somewhat less stature than Prime grade.&#160; Possesses a sound documented repayment source, and back up, which will allow repayment within the terms of the loan.&#160; Individual loans backed by solid assets, character and integrity.&#160; Ability of individual or company management is good and well established.&#160; Probability of serious financial deterioration is unlikely.</div></td></tr></table></div><div><br /></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">3.</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><u>Satisfactory</u></font>:&#160; Stable financial condition with cash flow sufficient for debt service coverage.&#160; Satisfactory loans of average strength having some deficiency or vulnerability to changing economic or industry conditions but performing as agreed with documented evidence of repayment capacity.&#160; May be unsecured loans to borrowers with satisfactory credit and financial strength.&#160; Satisfactory provisions for management succession and a secondary source of repayment exists.</div></td></tr></table></div><div><br /></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">4.</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><u>Satisfactory Watch:</u></font>&#160; A four is not a criticized or classified credit. These credits do not display the characteristics of a criticized asset as defined by the regulatory definitions. A credit is given a Satisfactory Watch designation if there are matters or trends observed deserving attention somewhat beyond normal monitoring.&#160; Borrowing obligations may be handled according to agreement but could be adversely impacted by developing factors such as industry conditions, operating problems, litigation pending of a significant nature or declining collateral quality and adequacy.&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; </div></td></tr></table></div><div><br /></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">5.</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><u>Special Mention</u></font>:&#160; A warning risk grade that portrays one or more weaknesses that may be tolerated in the short term.&#160; Assets in this category are currently protected but are potentially weak.&#160; This loan would not normally be booked as a new credit, but may have redeeming characteristics persuading the Bank to continue working with the borrower.&#160; Loans accorded this classification have potential weaknesses which may, if not checked or corrected, weaken the company's assets, inadequately protect the Bank's position or effect the orderly, scheduled reduction of the debt at some future time.</div></td></tr></table></div><div><br /></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">6.</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><u>Substandard</u></font>:&#160; The relationship is inadequately protected by the current net worth and cash flow capacity of the borrower, guarantor/endorser, or of the collateral pledged.&#160; Assets have a well-defined weakness or weaknesses that jeopardize the orderly liquidation of the debt.&#160; The relationship shows deteriorating trends or other deficient areas.&#160; The loan may be nonperforming and expected to remain so for the foreseeable future.&#160; Relationship balances may be adequately secured by asset value; however a deteriorated financial condition may necessitate collateral liquidation to effect repayment.&#160; This would also include any relationship with an unacceptable financial condition requiring excessive attention of the officer due to the nature of the credit risk or lack of borrower cooperation.</div></td></tr></table></div><div><br /></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">7.</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><u>Doubtful</u></font>:&#160; The relationship has all the weaknesses inherent in a credit graded 5 with the added characteristic that the weaknesses make collection on the basis of currently existing facts, conditions and value, highly questionable or improbable.&#160; The possibility of some loss is extremely high, however its classification as an anticipated loss is deferred until a more exact determination of the extent of loss is determined.&#160; Loans in this category must be on nonaccrual.</div></td></tr></table></div><div><br /></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">8.</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><u>Loss</u></font>:&#160; Loans are considered uncollectible and of such little value that continuance as bankable assets is not warranted.&#160; It is not practicable or desirable to defer writing off this basically worthless asset even though partial recovery may be possible in the future.</div></td></tr></table></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">For Residential Mortgage and Consumer Loans:</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Residential mortgage and consumer loans are assigned a "Pass" rating unless the loan has demonstrated signs of weakness as indicated by the ratings below. </div><div><br /></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">5.</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><u>Special Mention</u></font>: All loans sixty days past due are classified Special Mention. The loan is not upgraded until it has been current for six consecutive months.</div></td></tr></table></div><div><br /></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">6.</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><u>Substandard</u></font>: All loans 90 days past due are classified Substandard. The loan is not upgraded until it has been current for six consecutive months.</div></td></tr></table></div><div><br /></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">7.</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><u>Doubtful</u></font>:&#160; The relationship has all the weaknesses inherent in a credit graded 5 with the added characteristic that the weaknesses make collection on the basis of currently existing facts, conditions and value, highly questionable or improbable.&#160; The possibility of some loss is extremely high.</div></td></tr></table></div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The risk ratings for classified loans are evaluated at least quarterly for commercial loans or when credit deficiencies arise, such as delinquent loan payments, for commercial, residential mortgage or consumer loans.&#160; See further discussion of risk ratings in Note 1.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following table presents the segments and classes of the loan portfolio summarized by the aggregate pass rating and the criticized and classified ratings of special mention, substandard and doubtful within the Company's internal risk rating system:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">As of December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Special</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Pass</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Mention</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Substandard</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Doubtful</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">194,377</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,445</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,115</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,063</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">199,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Construction</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total residential mortgage loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">202,882</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,445</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,115</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,063</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">207,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Commercial loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Real estate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">143,126</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,714</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,858</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">150,698</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,141</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">684</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">400</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,225</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66,279</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">661</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">702</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67,646</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Tax exempt loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,523</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,523</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total commercial loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">244,069</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,059</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,960</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">254,092</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Consumer loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,963</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">170</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">389</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">200</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,722</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,224</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">44</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,293</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total consumer loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30,187</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">187</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">397</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">244</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31,015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">477,138</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,691</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,472</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,311</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">492,612</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">As of December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Special</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Pass</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Mention</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Substandard</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Doubtful</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">177,244</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,375</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,425</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">748</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">181,792</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Construction</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,924</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,924</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total residential mortgage loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">185,168</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,375</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,425</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">748</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">189,716</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Commercial loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Real estate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">121,283</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,345</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,878</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">129,506</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17,358</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,469</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">208</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">19,035</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53,540</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">848</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">504</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,899</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Tax exempt loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total commercial loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">201,262</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,662</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,590</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">212,521</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Consumer loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,780</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">182</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">287</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">214</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,463</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,840</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,886</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total consumer loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">27,620</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">213</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">302</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">214</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">28,349</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">414,050</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,250</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,317</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">969</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">430,586</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: justify;">Nonaccrual and Past Due Loans</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Loans are considered past due if the required principal and interest payments have not been received within thirty days of the payment due date.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">An age analysis of past due loans, exclusive of deferred costs, segregated by class of loans were as follows:</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="22" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">As of December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">30-59 Days</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">60-89 Days</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">90 Days</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and Over</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total Loans</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">And Accruing</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">And Accruing</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Current</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Receivable</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,247</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">832</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,560</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,639</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">194,361</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">199,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Construction</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total residential mortgage loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,247</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">832</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,560</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,639</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">202,866</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">207,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Commercial loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Real estate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,063</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">375</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,223</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,661</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">148,037</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">150,698</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">819</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">819</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,406</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,225</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">333</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">640</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">973</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66,673</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67,646</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Tax exempt loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,523</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,523</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total commercial loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,215</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">375</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,863</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,453</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">249,639</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">254,092</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Consumer loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">157</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">338</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">600</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,122</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,722</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">71</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,222</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,293</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total consumer loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">113</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">170</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">388</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">671</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30,344</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31,015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,575</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,377</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,811</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,763</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">482,849</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">492,612</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div><div>&#160;</div><div>&#160;</div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="22" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">As of December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">30-59 Days</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">60-89 Days</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">90 Days</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and Over</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total Loans</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">And Accruing</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">And Accruing</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Current</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Receivable</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,115</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">808</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,715</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">178,154</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">181,792</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Construction</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,924</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,924</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total residential mortgage loans</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,115</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">808</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,715</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">186,078</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">189,716</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Commercial loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Real estate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">940</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">135</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,694</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,769</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">125,737</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">129,506</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">20</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">174</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">194</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,841</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">19,035</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">159</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">216</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">370</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">745</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,154</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,899</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Tax exempt loans</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total commercial loans</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,119</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">351</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,238</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,708</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">207,813</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">212,521</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Consumer loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">132</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">360</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">492</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,971</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,463</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">34</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,852</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,886</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total consumer loans</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">146</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">365</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">526</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">27,823</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">28,349</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total loans</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,380</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,174</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,318</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,872</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">421,714</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">430,586</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div><div>&#160;</div><div>Year-end nonaccrual loans, segregated by class of loan, were as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,560</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,715</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,560</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,715</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Commercial loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Real estate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,223</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,694</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">174</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">640</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">370</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,863</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,238</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Consumer loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">338</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">360</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">388</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">365</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total nonaccrual loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,811</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,318</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">There were no loans past due ninety days or more and still accruing interest at December 31, 2016 or 2015.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company is required to disclose certain activities related to Troubled Debt Restructurings ("TDR") in accordance with accounting guidance. Certain loans have been modified in a TDR where economic concessions have been granted to a borrower who is experiencing, or expected to experience, financial difficulties. These economic concessions could include a reduction in the loan interest rate, extension of payment terms, reduction of principal amortization, or other actions that it would not otherwise consider for a new loan with similar risk characteristics.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company is required to disclose new TDRs for each reporting period for which an income statement is being presented.&#160; Pre-modification outstanding recorded investment is the principal loan balance less the provision for loan losses before the loan was modified as a TDR.&#160; Post-modification outstanding recorded investment is the principal balance less the provision for loan losses after the loan was modified as a TDR.&#160; Additional provision for loan losses is the change in the allowance for loan losses between the pre-modification outstanding recorded investment and post-modification outstanding recorded investment.</div><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">For the year ended December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of loans</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Pre-modification outstanding recorded investment</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Post-modification outstanding recorded investment</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Additional provision for loan losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Individually evaluated for impairment:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Residential mortgage loans</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">127</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">135</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">29</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Commercial real estate loans</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,088</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,088</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The TDRs individually evaluated for impairment have been classified as TDRs due to economic concessions granted, which consisted of additional funds advanced without associated increases in collateral, interest rate reduction, extended term and/or extended interest only payment terms.&#160; The Company was required to increase the specific reserves against the loans individually reviewed for impairment by $29,000, which was a component of the provision for loan losses in the fourth quarter of 2016.&#160; The Company changed the criteria for evaluating impairment on TDRs as of December 31, 2016 to include all TDRs, regardless of the size of the loan, to be individually evaluated for impairment.&#160; The Company previously established thresholds of $100,000 for residential and consumer loans and $300,000 for commercial real estate loans, commercial lines and loans and tax exempt loans for reviewing TDRs individually for impairment.&#160; TDRs below these threshold amounts were collectively evaluated for impairment as of December 31, 2015.</div><div style="text-align: justify; margin-right: 14.4pt;"><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 15px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 575px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">For the year ended December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 15px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 123px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of loans</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Pre-modification outstanding recorded investment</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Post-modification outstanding recorded investment</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Additional provision for loan losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Individually evaluated for impairment:</div></td><td valign="bottom" style="vertical-align: bottom; width: 15px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; width: 123px;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Commercial real estate loans</div></td><td valign="bottom" style="vertical-align: bottom; width: 1.2%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">678</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">324</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">354</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1.2%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collectively evaluated for impairment:</div></td><td valign="bottom" style="vertical-align: bottom; width: 1.2%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Residential mortgage loans</div></td><td valign="bottom" style="vertical-align: bottom; width: 1.2%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">69</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">79</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div style="text-align: justify; margin-right: 14.4pt;"><br /></div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The TDR individually evaluated for impairment has been classified as a TDR due to the economic concessions granted, which included extended payment terms without an associated increase in collateral.&#160; The Company was required to increase the specific reserve against this loan by an additional $354,000, which was a component of the provision for loan losses in the second quarter of 2015.&#160; The TDRs collectively evaluated for impairment were included in the general loan loss allocation and qualitative review and the impact on the allowance for loan losses was immaterial.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company is required to disclose loans that have been modified as TDRs within the previous 12 months in which there was payment default after the restructuring.&#160; The Company defines payment default as any loans 90 days past due on contractual payments.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company had no loans that had been modified as TDRs during the twelve months prior to December 31, 2016, which had subsequently defaulted during the year ended December 31, 2016.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company had no loans that had been modified as TDRs during the twelve months prior to December 31, 2015, which had subsequently defaulted during the year ended December 31, 2015.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">When the Company modifies a loan within a portfolio segment that is individually evaluated for impairment, a potential impairment is analyzed either based on the present value of the expected future cash flows discounted at the interest rate of the original loan terms or the fair value of the collateral less costs to sell. If it is determined that the value of the loan is less than its recorded investment, then impairment is recognized as a component of the provision for loan losses, an associated increase to the allowance for loan losses or as a charge-off to the allowance for loan losses in the current period.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">Impaired Loans</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following table summarizes impaired loans information by portfolio class:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unpaid</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unpaid</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Recorded</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Principal</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Related</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Recorded</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Principal</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Related</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Investment</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Balance</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Allowance</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Investment</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Balance</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Allowance</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">With no related allowance recorded:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">850</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">857</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">473</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">473</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Commercial real estate</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,254</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,344</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,580</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,709</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Commercial lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">400</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">400</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">574</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">597</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">470</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">470</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">536</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">569</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">187</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">187</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">With an allowance recorded:</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">763</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">763</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Commercial real estate</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">818</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">872</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">455</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,850</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,963</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">760</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Commercial lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">552</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">552</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">553</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">224</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">230</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">193</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">345</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">345</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">101</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">101</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Total:</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,613</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,620</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">473</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">473</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Commercial real estate</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,072</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,216</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">455</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,430</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,672</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">760</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Commercial lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">400</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">400</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">579</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">602</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,022</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,022</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">553</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">760</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">799</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">193</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">485</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">485</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">288</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">288</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 36pt;">Totals</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,592</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,743</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,130</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,535</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,840</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">960</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following table presents the average recorded investment in impaired loans for the years ended December 31:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">777</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">671</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Commercial real estate</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,325</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,742</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Commercial lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">479</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">520</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">724</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">803</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">325</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">305</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,632</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,048</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following table presents the cash basis interest income recognized on impaired loans for the years ended December 31:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">64</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Commercial real estate</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">161</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">92</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Commercial lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">29</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">304</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">138</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> 424732000 485900000 5000000 0 17000000 16500000 16500000 17000000 2000000 15025000 2000000 0 1000000 0 0 0 7000000 0 0.51 0.49 432000 424000 659000 317 268 -61485000 -121457000 -312000 -172000 122260000 59063000 -15494000 9106000 6371000 6311000 67000 -328000 3272000 2889000 2889000 3272000 -37000 -15000 -111000 358000 -133000 253000 43000 26000 2759000 3256000 2759000 3256000 75282000 61679000 0 61679000 0 75282000 17587000 19110000 4172000 4183000 2 7 -341000 -1045000 198000 -161000 1000 -4000 -255000 -1436000 79000 190000 1936000 1921000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Off-Balance Sheet Credit Related Financial Instruments</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under standby letters of credit.&#160; Such financial instruments are recorded when they are funded.</div></div> 694000 105000 147000 293000 135000 149000 62000 56000 31000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 1: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Nature of Operations</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The accompanying consolidated financial statements include the accounts of Pathfinder Bancorp, Inc. (the "Company") and its wholly owned subsidiary, Pathfinder Bank (the "Bank"). The Company is a Maryland corporation headquartered in Oswego, New York. On October 16, 2014, the Company completed its conversion from the mutual holding company structure and the related public offering and is now a stock holding company that is fully owned by the public.&#160; As a result of the conversion, the mutual holding company and former mid-tier holding company were merged into Pathfinder Bancorp, Inc. The primary business of the Company is its investment in Pathfinder Bank (the "Bank") which is 100% owned by the Company.&#160; The Company sold 2,636,053 shares of common stock in the offering, including 105,442 shares sold to the Pathfinder Bank employee stock ownership plan ("ESOP").&#160; All shares were sold at a price of $10.00 per share raising $26.4 million in gross proceeds.&#160; Additionally, $197,000 in cash was received from the merger of MHC into the company; and after accounting for conversion related expenses of $1.5 million, the Company received $24.9 million in net proceeds.&#160; Concurrent with the completion of the offering, publicly owned shares of Pathfinder Bancorp, Inc., a federal corporation, were exchanged for 1.6472 shares of the Company's common stock. At December 31, 2016, 4,236,744 shares of common stock were outstanding. The Bank has three wholly owned operating subsidiaries, Pathfinder Risk Management Company, Inc. ("PRMC"), Pathfinder REIT, Inc. and Whispering Oaks Development Corp. All significant inter-company accounts and activity have been eliminated in consolidation.&#160; Although the Company owns, through its subsidiary PRMC, 51% of the membership interest in FitzGibbons Agency, LLC ("FitzGibbons"), the Company is required to consolidate 100% of FitzGibbons within the consolidated financial statements.&#160; The 49% of which the Company does not own is accounted for separately as noncontrolling interests within the consolidated financial statements.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company has seven offices located in Oswego County and two offices in Onondaga County.&#160; The Company is primarily engaged in the business of attracting deposits from the general public in the Company's market area, and investing such deposits, together with other sources of funds, in loans secured by commercial real estate, business assets, one-to-four family residential real estate and investment securities.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Use of Estimates in the Preparation of Consolidated Financial Statements</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.&#160; Management has identified the allowance for loan losses, deferred income taxes, pension obligations, the annual evaluation of the Company's goodwill for possible impairment and the evaluation of investment securities for other than temporary impairment and the estimation of fair values for accounting and disclosure purposes to be the accounting areas that require the most subjective and complex judgments, and as such, could be the most subject to revision as new information becomes available.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company is subject to the regulations of various governmental agencies.&#160; The Company also undergoes periodic examinations by the regulatory agencies which may subject it to further changes with respect to asset valuations, amounts of required loss allowances, and operating restrictions resulting from the regulators' judgments based on information available to them at the time of their examinations.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Significant Group Concentrations of Credit Risk</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Most of the Company's activities are with customers located primarily in Oswego and Onondaga counties of New York State.&#160; A large portion of the Company's portfolio is centered in residential and commercial real estate.&#160; The Company closely monitors real estate collateral values and requires additional reviews of commercial real estate appraisals by a qualified third party for commercial real estate loans in excess of $400,000.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">All residential loan appraisals are reviewed by an individual or third party who is independent of the loan origination or approval process and was not involved in the approval of appraisers or selection of the appraiser for the transaction, and has no direct or indirect interest, financial or otherwise in the property or the transaction.&#160; </font>Note 4 discusses the types of securities that the Company invests in.&#160; Note 5 discusses the types of lending that the Company engages in.&#160; The Company does not have any significant concentrations to any one industry or customer.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Advertising</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company follows the policy of charging the costs of advertising to expense as incurred.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Noncontrolling Interest</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Noncontrolling interest represents the portion of ownership and profit or loss that is attributable to the minority owners of the FitzGibbons Agency.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Cash and Cash Equivalents</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Cash and cash equivalents include cash on hand, amounts due from banks and interest-bearing deposits (with original maturity of three months or less).</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Investment Securities</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company classifies investment securities as either available-for-sale or held-to-maturity.&#160; The Company does not hold any securities considered to be trading.&#160; Available-for-sale securities are reported at fair value, with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of the applicable income tax effect.&#160; Held-to-maturity securities are those that the Company has the ability and intent to hold until maturity and are reported at amortized cost.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Gains or losses on investment security transactions are based on the amortized cost of the specific securities sold.&#160; Premiums and discounts on securities are amortized and accreted into income using the interest method over the period to maturity.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Note 4 to the consolidated financial statements includes additional information about the Company's accounting policies with respect to the impairment of investment securities.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Federal Home Loan Bank Stock</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Federal law requires a member institution of the Federal Home Loan Bank ("FHLB") system to hold stock of its district FHLB according to a predetermined formula.&#160; The stock is carried at cost.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Transfers of Financial Assets</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Transfers of financial assets, including sales of loans and loan participations, are accounted for as sales when control over the assets has been surrendered.&#160; Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.<br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Loans</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company grants mortgage, commercial, municipal, and consumer loans to customers.&#160; Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are stated at their outstanding unpaid principal balances, less the allowance for loan losses plus net deferred loan origination costs. The ability of the Company's debtors to honor their contracts is dependent upon the real estate and general economic conditions in the market area.&#160; Interest income is generally recognized when income is earned using the interest method. Nonrefundable loan fees received and related direct origination costs incurred are deferred and amortized over the life of the loan using the interest method, resulting in a constant effective yield over the loan term. Deferred fees are recognized into income and deferred costs are charged to income immediately upon prepayment of the related loan.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The loans receivable portfolio is segmented into residential mortgage, commercial and consumer loans.&#160; The residential mortgage segment consists of one-to-four family first-lien residential mortgages and construction loans.&#160; Commercial loans consist of the following classes: real estate, lines of credit, other commercial and industrial, and tax-exempt loans.&#160; Consumer loans include both home equity lines of credit and loans with junior liens and other consumer loans.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Allowance for Loan Losses</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The allowance for loan losses represents management's estimate of losses inherent in the loan portfolio as of the date of the statement of condition and it is recorded as a reduction of loans.&#160; The allowance is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries.&#160; Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance.&#160; All, or part, of the principal balance of loans receivable are charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely.&#160; Non-residential consumer loans are generally charged off no later than 120 days past due on a contractual basis, unless productive collection efforts are providing results.&#160; Consumer loans may be charged off earlier in the event of bankruptcy, or if there is an amount that is deemed uncollectible.&#160; No portion of the allowance for loan losses is restricted to any individual loan product and the entire allowance is available to absorb any and all loan losses.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated.&#160; Management performs a quarterly evaluation of the adequacy of the allowance.&#160; The allowance is based on three major components which are; specific components for larger loans, recent historical losses and several qualitative factors applied to a general pool of loans, and an unallocated component.</div><div style="text-align: justify;"><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The first component is the specific component that relates to loans that are classified as impaired.&#160; For these loans, an allowance is established when the discounted cash flows or collateral value of the impaired loan is lower than the carrying value of that loan.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The second or general component covers pools of loans, by loan class, not considered impaired, smaller balance homogeneous loans, such as residential real estate, home equity and other consumer loans.&#160; These pools of loans are evaluated for loss exposure first based on historical loss rates for each of these categories of loans. The ratio of net charge-offs to loan outstandings within each product class, over the most recent eight quarters, lagged by one quarter, is used to generate the historical loss rates.&#160; In addition, qualitative factors are added to the historical loss rates in arriving at the total allowance for loan loss need for this general pool of loans.&#160; The qualitative factors include changes in national and local economic trends, the rate of growth in the portfolio, trends of delinquencies and nonaccrual balances, changes in loan policy, and changes in lending management experience and related staffing.&#160; Each factor is assigned a value to reflect improving, stable or declining conditions based on management's best judgment using relevant information available at the time of the evaluation.&#160; These qualitative factors, applied to each product class, make the evaluation inherently subjective, as it requires material estimates that may be susceptible to significant revision as more information becomes available.&#160; Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for loan loss analysis and calculation.&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The third or unallocated component is maintained to cover uncertainties that could affect management's estimate of probable losses.&#160; The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio and generally comprises less than 10% of the total allowance for loan loss.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.&#160; Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due.&#160; Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.&#160; Management determines the significance of payment delays and shortfalls on a case-by case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length and reason for the delay, the borrower's prior payment record and the amount of shortfall in relation to what is owed.&#160; Impairment is measured by either the present value of the expected future cash flows discounted at the loan's effective interest rate or the fair value of the underlying collateral if the loan is collateral dependent.&#160; The majority of the Company's loans utilize the fair value of the underlying collateral.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">An allowance for loan loss is established for an impaired loan if its carrying value exceeds its estimated fair value.&#160; The estimated fair values of substantially all of the Company's impaired loans are measured based on the estimated fair value of the loan's collateral.&#160; For loans secured by real estate, estimated fair values are determined primarily through third-party appraisals, less costs to sell.&#160; Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value.&#160; The discounts also include estimated costs to sell the property.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower's financial statements, inventory reports, accounts receivable agings or equipment appraisals or invoices.&#160; Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Large groups of homogeneous loans are collectively evaluated for impairment.&#160; Accordingly, the Company does not separately identify individual residential mortgage loans less than $300,000, home equity and other consumer loans for impairment disclosures, unless such loans are related to borrowers with impaired commercial loans or they are subject to a troubled debt restructuring agreement.&#160; Loans that are related to borrowers with impaired commercial loans or are subject to a troubled debt restructuring agreement are evaluated individually for impairment. .</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Commercial loans whose terms are modified are classified as troubled debt restructurings if the Company grants such borrowers concessions and it is deemed that those borrowers are experiencing financial difficulty.&#160; Concessions granted under a troubled debt restructuring generally include but are not limited to a temporary reduction in the interest rate or an extension of a loan's stated maturity date.&#160; Commercial loans classified as troubled debt restructurings are designated as impaired and evaluated individually as discussed above.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The allowance calculation methodology includes further segregation of loan classes into risk rating categories.&#160; The borrower's overall financial condition, repayment sources, guarantors and value of the collateral, if appropriate, are evaluated not less than annually for commercial loans or when credit deficiencies arise on all loans.&#160; Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss.&#160; See Note 5 for a description of these regulatory classifications.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In addition, Federal and State regulatory agencies, as an integral part of their examination process, periodically review the Company's allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management.&#160; Based on management's comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Income Recognition on Impaired and Nonaccrual Loans</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">For all classes of loans receivable, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing.&#160; A loan may remain on accrual status if it is either well secured or guaranteed and in the process of collection.&#160; When a loan is placed on nonaccrual status, unpaid interest is reversed and charged to interest income.&#160; Interest received on nonaccrual loans, including impaired loans, generally is either applied against principal or reported as interest income, according to management's judgment as to the collectability of principal.&#160; Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time, generally six months, and the ultimate collectability of the total contractual principal and interest is no longer in doubt.&#160; Nonaccrual troubled debt restructurings are restored to accrual status if principal and interest payments, under the modified terms, are current for six consecutive months after modification.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">For nonaccrual loans, when future collectability of the recorded loan balance is expected, interest income may be recognized on a cash basis. In the case where a nonaccrual loan had been partially charged off, recognition of interest on a cash basis is limited to that which would have been recognized on the recorded loan balance at the contractual interest rate. Cash interest receipts in excess of that amount are recorded as recoveries to the allowance for loan losses until prior charge-offs have been fully recovered.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Off-Balance Sheet Credit Related Financial Instruments</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under standby letters of credit.&#160; Such financial instruments are recorded when they are funded.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Premises and Equipment</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed on a straight-line basis over the estimated useful lives of the related assets, ranging up to 40 years for premises and 10 years for equipment. Maintenance and repairs are charged to operating expenses as incurred.&#160; The asset cost and accumulated depreciation are removed from the accounts for assets sold or retired and any resulting gain or loss is included in the determination of income.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Foreclosed Real Estate</div><div><div><br /></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-top: 5pt;">Physical possession of residential real estate property collateralizing a residential mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrower conveys all interest in the property to satisfy the loan through completion of a deed-in-lieu of foreclosure or through a similar legal agreement.&#160; Properties acquired through foreclosure, or by deed-in-lieu of foreclosure, are recorded at their fair value less estimated costs to sell.&#160; Fair value is typically determined based on evaluations by third parties.&#160; Costs incurred in connection with preparing the foreclosed real estate for disposition are capitalized to the extent that they enhance the overall fair value of the property. Any write-downs on the asset's fair value less costs to sell at the date of acquisition are charged to the allowance for loan losses.&#160; Subsequent write downs and expenses of foreclosed real estate are included as a valuation allowance and recorded in noninterest expense.</div><div><br /></div></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Goodwill and Intangible Assets</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Goodwill represents the excess cost of an acquisition over the fair value of the net assets acquired.&#160; Goodwill is not amortized, but is evaluated annually for impairment.&#160; Intangible assets, such as customer relationships, are amortized over their useful lives, generally 15 years.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-weight: bold;">Mortgage Servicing Rights</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Originated mortgage servicing rights are recorded at their fair value at the time of transfer of the related loans and are amortized in proportion to, and over the period of, estimated net servicing income or loss.&#160; The carrying value of the originated mortgage servicing rights is periodically evaluated for impairment or between annual evaluations under certain circumstances.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Stock-Based Compensation</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Compensation costs related to share-based payment transactions are recognized based on the grant-date fair value of the stock-based compensation issued. Compensation costs are recognized over the period that an employee provides service in exchange for the award.&#160; Compensation costs related to the Employee Stock Ownership Plan are dependent upon the average stock price and the shares committed to be released to plan participants through the period in which income is reported.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Retirement Benefits</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company has a non-contributory defined benefit pension plan that covered substantially all employees. On May 14, 2012, the Company informed its employees of its decision to freeze participation and benefit accruals under the plan, primarily to reduce some of the volatility in earnings that can accompany the maintenance of a defined benefit plan.&#160; The plan was frozen on June 30, 2012.&#160; Compensation earned by employees up to June 30, 2012 is used for purposes of calculating benefits under the plan but there will be no future benefit accruals after this date.&#160; Participants as of June 30, 2012 will continue to earn vesting credit with respect to their frozen accrued benefits as they continue to work. Pension expense under these plans is charged to current operations and consists of several components of net pension cost based on various actuarial assumptions regarding future experience under the plans.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Gains and losses, prior service costs and credits, and any remaining transition amounts that have not yet been recognized through net periodic benefit cost are recognized in accumulated other comprehensive loss, net of tax effects, until they are amortized as a component of net periodic cost.&#160; Plan assets and obligations are measured as of the Company's statement of condition date.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company has unfunded deferred compensation and supplemental executive retirement plans for selected current and former employees and officers that provide benefits that cannot be paid from a qualified retirement plan due to Internal Revenue Code restrictions. These plans are nonqualified under the Internal Revenue Code, and assets used to fund benefit payments are not segregated from other assets of the Company, therefore, in general, a participant's or beneficiary's claim to benefits under these plans is as a general creditor.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Bank sponsors an Employee Stock Ownership Plan ("ESOP") covering substantially all full time employees.&#160; The cost of shares issued to the ESOP but not committed to be released to the participants is presented in the consolidated statement of condition as a reduction of shareholders' equity.&#160; ESOP shares are released to the participants on an annual basis in accordance with a predetermined schedule.&#160; The Company records ESOP compensation expense based on the shares committed to be released and allocated to the participant's accounts multiplied by the average share price of the Company's stock over the period.&#160; Dividends related to unallocated shares are recorded as compensation expense.</div><div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Derivative Financial Instruments&#160;</div><div><br /></div></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Derivatives are recorded on the statement of condition as assets and liabilities measured at their fair value. The accounting for increases and decreases in the value of derivatives depends upon the use of derivatives and whether the derivatives qualify for hedge accounting.&#160; The Company currently has one interest rate swap, which has been determined to be a cash flow hedge.&#160; The fair value of cash-flow hedging instruments ("Cash Flow Hedge") is recorded in either other assets or other liabilities. On an ongoing basis, the statement of condition is adjusted to reflect the then current fair value of the Cash Flow Hedge. The related gains or losses are reported in other comprehensive income (loss) and are subsequently reclassified into earnings, as a yield adjustment in the same period in which the related interest on the hedged item (primarily a variable-rate debt obligation) affects earnings. To the extent that the Cash Flow Hedge is not effective, the ineffective portion of the Cash Flow Hedge is immediately recognized as interest expense.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">As a hedge against rising short-term interest rates, the Company sold a U.S. Treasury security in the amount of $25 million during the fourth quarter of 2016.&#160; The Company was in controlling possession of, but did not own, the security which had been received as collateral, under an industry-standard repurchase agreement, for a 30-day no interest loan of approximately $25 million to an unrelated third party. The sale of this security provided the funds necessary to advance the loan to the third party and placed the Company in what is generally described as a "short position" with respect to the sold U.S. Treasury security. This transaction acted as a hedge against rising short-term interest rates because the price of the security would be expected to decline in a rising short-term interest rate environment and could be subsequently re-acquired at the conclusion of the 30-day loan period at a price lower than the price at which it was originally sold.&#160; Short-term rates rose during the 30-day loan period and, consequently, the Company recognized a gain on the sale of securities in the amount of $85,000 and a tax benefit of $34,000 when the Treasury security was repurchased.&#160; The tax benefit arose from the reversal of reserves established in prior years against the Company's deferred tax asset position as the transaction gain was characterized as a capital gain for tax purposes.&#160; This capital gain was essentially tax free to the Company as the result of the utilization of existing, previously reserved-for, capital loss tax carryforwards that were established in 2011 and 2013. The recognized tax benefit reduced the Company's effective tax rate from what would have been 26.6% to 25.2% in 2016.&#160; The gain income and the recognized tax benefits derived from this transaction were partially offset by an additional $54,000 in after-tax interest expense that increased interest expense and therefore reduced pretax net interest margin by $82,000 in the fourth quarter of 2016.&#160; In total, after-tax net income was increased by approximately $65,000 during the fourth quarter of 2016 as a result of this transaction. Prior to the commencement of this transaction, the Company incurred consulting and placement fees of $59,000, of which $53,000 has been recorded on the Company's Consolidated Statements of Condition as deferred fees. These deferred fees will be recognized ratably as interest expense on the occasions that this hedging position is reestablished in future periods.&#160; The hedge position was closed on December 23, 2016 and, other than the deferred fees of $53,000 discussed above, had no effect on the Company's consolidated financial condition at December 31, 2016.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Income Taxes</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Provisions for income taxes are based on taxes currently payable or refundable and deferred income taxes on temporary differences between the tax basis of assets and liabilities and their reported amounts in the consolidated financial statements. Deferred tax assets and liabilities are reported in the consolidated financial statements at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized or settled.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Earnings Per Share</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Basic earnings per common share are computed by dividing net income, after preferred stock dividends and preferred stock discount accretion, by the weighted average number of common shares outstanding throughout each year.&#160; Diluted earnings per share gives effect to weighted average shares that would be outstanding assuming the exercise of issued stock options and warrants using the treasury stock method.&#160; Unallocated shares of the Company's ESOP plan are not included when computing earnings per share until they are committed to be released.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Segment Reporting</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company has evaluated the activities relating to its strategic business units.&#160; The controlling interest in the FitzGibbons Agency is dissimilar in nature and management when compared to the Company's other strategic business units which are judged to be similar in nature and management.&#160; The Company has determined that the FitzGibbons Agency is below the reporting threshold in size in accordance with Accounting Standards Codification 280.&#160; Accordingly, the Company has determined it has no reportable segments.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Comprehensive Income (Loss)</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income.&#160; Although certain changes in assets and liabilities are reported as a separate component of the equity section of the statement of condition, such items, along with net income, are components of comprehensive income.&#160;</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Accumulated other comprehensive loss represents the sum of these items, with the exception of net income, as of the balance sheet date and is represented in the table below.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">As of December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Accumulated Other Comprehensive Loss By Component:</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Unrealized loss for pension and other postretirement obligations</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2,520</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,073</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Tax effect</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,007</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,229</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net unrealized loss for pension and other postretirement obligations</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,513</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,844</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Unrealized loss on financial derivative instruments used in cash flow hedging relationships</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(27</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Tax effect</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">11</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net unrealized loss on financial derivative instruments used in cash flow hedging relationships</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Unrealized loss on available-for-sale securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,072</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(85</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Tax effect</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,227</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">34</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net unrealized loss on available-for-sale securities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,845</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(51</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Unrealized loss on securities transferred to held-to-maturity</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(774</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,090</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Tax effect</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">310</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">436</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net unrealized loss on securities transferred to held-to-maturity</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(464</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(654</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Accumulated other comprehensive loss</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,822</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2,565</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Reclassifications</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Certain amounts in the 2015 consolidated financial statements have been reclassified to conform to the current year presentation.&#160; These reclassifications had no effect on net income as previously reported.</div></div> -446000 -1257000 -446000 0 0 0 0 0 -1257000 0 0 0 0 0 0 0 -170000 -958000 -87000 -74000 -552000 82000 -25000 -61000 1000 -2000 594000 422000 169000 236000 -10000 -24000 -185000 -222000 -267000 330000 27000 55000 -2093000 -743000 -2988000 -847000 -836000 -297000 4845000 6367000 185000 475000 -6000 2000 -106000 134000 -425000 -2394000 4000 4000 5220000 5643000 2317000 2482000 248000 230000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">An age analysis of past due loans, exclusive of deferred costs, segregated by class of loans were as follows:</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="22" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">As of December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">30-59 Days</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">60-89 Days</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">90 Days</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and Over</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total Loans</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">And Accruing</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">And Accruing</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Current</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Receivable</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,247</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">832</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,560</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,639</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">194,361</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">199,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Construction</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total residential mortgage loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,247</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">832</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,560</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,639</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">202,866</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">207,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Commercial loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Real estate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,063</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">375</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,223</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,661</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">148,037</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">150,698</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">819</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">819</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,406</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,225</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">333</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">640</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">973</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66,673</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67,646</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Tax exempt loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,523</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,523</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total commercial loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,215</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">375</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,863</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,453</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">249,639</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">254,092</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Consumer loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">157</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">338</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">600</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,122</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,722</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">71</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,222</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,293</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total consumer loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">113</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">170</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">388</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">671</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30,344</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31,015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,575</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,377</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,811</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,763</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">482,849</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">492,612</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div><div>&#160;</div><div>&#160;</div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="22" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">As of December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">30-59 Days</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">60-89 Days</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">90 Days</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and Over</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total Loans</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">And Accruing</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">And Accruing</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Past Due</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Current</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Receivable</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,115</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">808</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,715</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">178,154</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">181,792</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Construction</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,924</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,924</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total residential mortgage loans</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,115</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">808</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,715</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">186,078</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">189,716</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Commercial loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Real estate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">940</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">135</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,694</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,769</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">125,737</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">129,506</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">20</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">174</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">194</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,841</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">19,035</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">159</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">216</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">370</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">745</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,154</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,899</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Tax exempt loans</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total commercial loans</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,119</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">351</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,238</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,708</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">207,813</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">212,521</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Consumer loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">132</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">360</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">492</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,971</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,463</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">34</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,852</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,886</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total consumer loans</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">146</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">365</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">526</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">27,823</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">28,349</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total loans</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,380</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,174</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,318</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,872</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">421,714</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">430,586</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div></div> -142000 0 68000 197000 62733000 44784000 826000 -1030000 130000 312000 145264000 67634000 130000 49000 130000 16000 130000 16000 225000 0 6317000 16859000 13000000 0 1755000 1500000 609000 866000 866000 609000 2632000 1362000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Retirement Benefits</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company has a non-contributory defined benefit pension plan that covered substantially all employees. On May 14, 2012, the Company informed its employees of its decision to freeze participation and benefit accruals under the plan, primarily to reduce some of the volatility in earnings that can accompany the maintenance of a defined benefit plan.&#160; The plan was frozen on June 30, 2012.&#160; Compensation earned by employees up to June 30, 2012 is used for purposes of calculating benefits under the plan but there will be no future benefit accruals after this date.&#160; Participants as of June 30, 2012 will continue to earn vesting credit with respect to their frozen accrued benefits as they continue to work. Pension expense under these plans is charged to current operations and consists of several components of net pension cost based on various actuarial assumptions regarding future experience under the plans.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Gains and losses, prior service costs and credits, and any remaining transition amounts that have not yet been recognized through net periodic benefit cost are recognized in accumulated other comprehensive loss, net of tax effects, until they are amortized as a component of net periodic cost.&#160; Plan assets and obligations are measured as of the Company's statement of condition date.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company has unfunded deferred compensation and supplemental executive retirement plans for selected current and former employees and officers that provide benefits that cannot be paid from a qualified retirement plan due to Internal Revenue Code restrictions. These plans are nonqualified under the Internal Revenue Code, and assets used to fund benefit payments are not segregated from other assets of the Company, therefore, in general, a participant's or beneficiary's claim to benefits under these plans is as a general creditor.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Bank sponsors an Employee Stock Ownership Plan ("ESOP") covering substantially all full time employees.&#160; The cost of shares issued to the ESOP but not committed to be released to the participants is presented in the consolidated statement of condition as a reduction of shareholders' equity.&#160; ESOP shares are released to the participants on an annual basis in accordance with a predetermined schedule.&#160; The Company records ESOP compensation expense based on the shares committed to be released and allocated to the participant's accounts multiplied by the average share price of the Company's stock over the period.&#160; Dividends related to unallocated shares are recorded as compensation expense.</div></div> 473000 0 15000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 14:&#160; EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;"><br /><font style="font-weight: normal;">The Company has a noncontributory defined benefit pension plan covering substantially all employees. The plan provides defined benefits based on years of service and final average salary. On May 14, 2012, the Company informed its employees of its decision to freeze participation and benefit accruals under the plan, primarily to reduce some of the volatility in earnings that can accompany the maintenance of a defined benefit plan.&#160; The plan was frozen on June 30, 2012.&#160; Compensation earned by employees up to June 30, 2012 is used for purposes of calculating benefits under the plan but there will be no future benefit accruals after this date.&#160; Participants as of June 30, 2012 will continue to earn vesting credit with respect to their frozen accrued benefits as they continue to work. In addition, the Company provides certain health and life insurance benefits for a limited number of eligible retired employees.&#160; The healthcare plan is contributory with participants' contributions adjusted annually; the life insurance plan is noncontributory.&#160; Employees with less than 14 years of service as of January 1, 1995, are not eligible for the health and life insurance retirement benefits.</font></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following tables set forth the changes in the plans' benefit obligations, fair value of plan assets and the plans' funded status as of December 31:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Pension Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Postretirement Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Change in benefit obligations:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Benefit obligations at beginning of year</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,319</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,679</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">159</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">356</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Service cost</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Interest cost</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">464</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">468</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Actuarial gain</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(231</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(586</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(201</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Benefits paid</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(229</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(242</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Benefit obligations at end of year</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,323</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,319</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">154</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">159</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Change in plan assets:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Fair value of plan assets at beginning of year</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,808</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13,125</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Actual return on plan assets</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,055</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(75</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Benefits paid</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(229</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(242</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Employer contributions</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Fair value of plan assets at end of year</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13,634</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,808</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Funded Status - asset (liability)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,311</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,489</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(154</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(159</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The funded status of the pension was recorded within other assets on the statement of condition.&#160; The unfunded status of the postretirement plan is recorded as a liability on the statement of condition.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Amounts recognized in accumulated other comprehensive loss as of December 31 are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Pension Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Postretirement Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net loss/(gain)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,685</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,245</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(165</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(172</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Tax Effect</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,074</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,298</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(66</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(69</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,611</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,947</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(99</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(103</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Gains and losses in excess of 10% of the greater of the benefit obligation or the fair value of assets are amortized over the average remaining service period of active participants.&#160;</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company utilized the actual projected cash flows of the participants in both plans for the years ended December 31, 2016 and December 31, 2015.&#160; The following points address the approach taken.</div><div><br /></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">1.</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">An analysis of the defined benefit pension plan's expected future cash flows and high-quality fixed income investments currently available and expected to be available during the period to maturity of the pension benefits yielded a single discount rate of 5.15% at December 31, 2016.</div></td></tr></table></div><div>&#160;</div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">2.</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">An analysis of the postretirement health plan's expected future cash flows and high-quality fixed-income investments currently available and expected to be available during the period to maturity of the retiree medical benefits yielded a single discount rate of 5.32% at December 31, 2016.</div></td></tr></table></div><div><br /></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">3.</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Each discount rate was developed by matching the expected future cash flows of Pathfinder Bank to high quality bonds.&#160; Every bond considered has earned ratings of at least AA by Fitch Group, AA by Standard &amp; Poor's, or Aa2 by Moody's Investor Services.</div></td></tr></table></div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The accumulated benefit obligation for the defined benefit pension plan was $9.3 million at December 31, 2016 and 2015.&#160; The postretirement plan had an accumulated benefit obligation of $154,000 and $159,000 at December 31, 2016 and 2015, respectively.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The significant assumptions used in determining the benefit obligations as of December 31, are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Pension Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Postretirement Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Weighted average discount rate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.15</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.05</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.32</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.23</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Rate of increase in future compensation levels</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Assumed health care cost trend rates have a significant effect on the amounts reported for the postretirement health care plan.&#160;&#160; The annual rates of increase in the per capita cost of covered medical and prescription drug benefits for future years were assumed to be 6.25% for 2017, gradually decreasing to 5.00% in 2022 and remain at that level thereafter.</div><div style="text-align: justify;"><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The composition of the net periodic benefit plan cost for the years ended December 31 is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Pension Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Postretirement Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Service cost</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Interest cost</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">464</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">468</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Expected return on plan assets</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(951</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(975</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Amortization of transition obligation</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Amortization of net losses/(gains)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">226</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">180</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Amortization of unrecognized past service liability</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net periodic benefit plan (benefit) cost</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(261</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(327</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The significant assumptions used in determining the net periodic benefit plan cost for years ended December 31, were as follows:</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Pension Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Postretirement Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Weighted average discount rate</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.05</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4.90</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.23</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4.98</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Expected long term rate of return on plan assets</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7.50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7.50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Rate of increase in future compensation levels</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The long term rate of return on assets assumption was set based on historical returns earned by equities and fixed income securities, adjusted to reflect expectations of future returns as applied to the plan's target allocation of asset classes.&#160; Equities and fixed income securities were assumed to earn real rates of return in the ranges of 6.0%-8.0% and 3.0%-5.0%, respectively.&#160; The long-term inflation rate was estimated to be 2.5%.&#160; When these overall return expectations are applied to the plan's target allocation, the expected rate of return was determined to be in the range of 5.0% to 7.0%.&#160; Management chose to use a 7.5% expected long-term rate of return in 2016 and a 7.0% expected long-term rate of return in 2017 reflecting current economic conditions and expected rates of return.&#160; Based on the $13.6 million fair value of plan assets at December 31, 2016, each 50 basis point decrease in the expected long-term rate of return would reduce after tax net income by approximately $42,000.</div><div>&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The estimated net actuarial loss that will be amortized from accumulated other comprehensive loss into net periodic benefit plan cost during 2017 is $154,000.&#160; The estimated amortization of the unrecognized transition obligation and actuarial gain for the post retirement health plan in 2017 is $3,000.&#160; The expected net periodic benefit plan benefit for 2017 is estimated to be $318,000 for both retirement plans in aggregate.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Plan assets are invested in four diversified investment funds of the Pentegra Retirement Trust (the "Trust", formerly known as RSI Retirement Trust), a private placement investment fund.&#160; The Trust has been given discretion by the Plan Sponsor to determine the appropriate strategic asset allocation versus plan liabilities, as governed by the Trust's Investment Policy Statement.&#160; The Plan is structured to utilize a Liability Driven Investment (LDI) approach which seeks to fund the current and future liabilities of the Plan and aims to mitigate funded status and contribution volatility.&#160; The fair value of plan assets is determined primarily through direct observations of market pricing for the underlying assets within the investment fund.&#160; Where direct pricing observations are not available, fair value is determined by observations of market pricing for similar securities actively traded within publically accessible markets.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Plan's asset allocation targets to hold 38% of assets in equity securities via investment in the Long-Term Growth &#8211; Equity Portfolio ('LTGE'), 16% in intermediate-term investment grade bonds via investment in the Long-Term Growth &#8211; Fixed-Income Portfolio ('LTGFI'), 35% in long duration bonds via the Liability Focused Fixed-Income Portfolio ('LFFI'), 10% in an alternative asset fund (the ALT Portfolio), and 1% in a cash equivalents portfolio (for liquidity).</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">LTGE is a diversified portfolio that invests in a number of actively and passively managed equity-focused mutual funds and collective investment trusts.&#160; The Portfolio holds a diversified mix of equity funds in order to gain exposure to the U.S. and non-U.S. equity markets.&#160; LTGFI is a diversified portfolio that invests in a number of fixed-income mutual funds and collective investment trusts.&#160; The Portfolio invests primarily in intermediate-term bond funds with a focus on Core Plus fixed-income investment approaches.&#160; LFFI is a diversified high quality fixed-income portfolio that currently invests in passively managed collective investment trusts that hold long duration bonds.&#160; The ALT Portfolio invests in professionally managed private funds that hold alternative assets.&#160; The Portfolio currently invests in three long/short equity hedge funds.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The investment objectives, investment strategies and risk of each of the daily valued and unitized Portfolios and the funds held within the Portfolios are detailed in the Private Placement Memorandum and the Trust's Investment Policy Statement.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The long-term investment objectives are to maintain plan assets at a level that will sufficiently cover long-term obligations and to generate a return on plan assets that will meet or exceed the rate at which long-term obligations will grow.&#160; The LTGE and LTGFI Portfolios are designed to provide long-term growth of equity and fixed-income assets with the objective of achieving an investment return in excess of the cost of funding the active life, deferred vested, and all 30-year term and longer obligations of retired lives in the Trust.&#160; The LFFI Portfolio is designed to fund the Trust's estimated retired lives class of liabilities for 30 years.&#160; The ALT Strategy is designed to add diversification via the addition of relatively low correlation assets.&#160; Risk/volatility is further managed by the distinct investment objectives of each of the Trust's Portfolios. A broadly diversified combination of equity and fixed income portfolios and various risk management techniques are used to help achieve these objectives.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In addition, significant consideration is paid to the plan's funding levels when determining the overall asset allocation.&#160; If the plan is considered to be well-funded, approximately 65% of the plan's assets are allocated to equities and approximately 35% allocated to fixed-income.&#160; Asset rebalancing normally occurs when the equity and fixed-income allocations vary by more than 10% from their respective targets (i.e., a 10% policy range guideline).<br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Pension plan assets measured at fair value are summarized below:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">At December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Asset Category:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Mutual funds - equity</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Large-cap value (a)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">958</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">958</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Large-cap Growth (b)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">860</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">860</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Large-cap Core (c)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">609</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">609</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Mid-cap Value (d)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">204</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">204</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mid-cap Growth (e)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">186</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">186</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mid-cap Core (f)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">209</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">209</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Small-cap Value (g)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">167</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">167</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;Small-cap Growth (h)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Small-cap Core (i)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">312</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">312</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;International Equity (j)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,131</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,131</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Equity -Total</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,776</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,776</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Fixed Income Funds</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;&#160;Fixed Income-US Core (k)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,695</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,695</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;&#160;Intermediate Duration (l)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,932</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,932</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;&#160;Long Duration (m)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,474</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,474</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;&#160;&#160;Fixed Income-Total</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,101</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,101</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Long/Short Equity(n)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,165</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,165</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Company Common Stock</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Cash Equivalents-Money market*</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">70</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">522</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">592</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">70</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13,564</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13,634</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">At December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Asset Category:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Mutual funds - equity</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Large-cap value (a)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">696</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">696</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Large-cap Growth (b)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">783</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">783</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Large-cap Core (c)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">510</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">510</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Mid-cap Value (d)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">166</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">166</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mid-cap Growth (e)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">163</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">163</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mid-cap Core (f)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">162</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">162</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Small-cap Value (g)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">119</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">119</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;Small-cap Growth (h)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Small-cap Core (i)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">238</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">238</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;International Equity (j)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">996</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">996</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Equity -Total</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,950</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,950</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Fixed Income Funds</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;&#160;Fixed Income-US Core (k)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,578</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,578</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;&#160;Intermediate Duration (l)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,865</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,865</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;&#160;Long Duration (m)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,347</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,347</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;&#160;&#160;Fixed Income-Total</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,790</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,790</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Long/Short Equity(n)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,793</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,793</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Company Common Stock</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Cash Equivalents-Money market*</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">72</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">203</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">275</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">72</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,736</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,808</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td colspan="8" valign="bottom" style="vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">*Includes cash equivalents investments in equity and fixed income strategies</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(a)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category contains large-cap stocks with above-average yield.&#160; The portfolio typically holds between 60 and 70 stocks.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(b)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category seeks long-term capital appreciation by investing primarily in large growth companies based in the U.S.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(c)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This fund tracks the performance of the S&amp;P 500 index by purchasing the securities represented in the index in approximately the same weightings as the index.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(d)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Value Index.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(e)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Growth Index.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(f)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category seeks to track the performance of the S&amp;P Midcap 400 Index.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(g)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category consists of a selection of investments based on the Russell 2000 Value Index.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(h)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category consists of a selection of investments based on the Russell 2000 Growth Index.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(i)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category consists of an index fund designed to track the Russell 2000, along with a fund investing in readily marketable securities of U.S. companies with market capitalizations within the smallest 10% of the market universe, or smaller than the 1000th largest US company.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(j)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category has investments in medium to large non-US companies, including high quality, durable growth companies and companies based in countries with stable economic and political systems.&#160; A portion of this category consists of an index fund designed to track the MSC ACWI ex-US Net Dividend Return Index.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(k)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category currently includes equal investments in three mutual funds, two of which usually hold at least 80% of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that index.&#160; The third fund targets investments of 50% or more in mortgage-backed securities guaranteed by the US government and its agencies.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(l)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category consists mostly of a fund which seeks to track the Barclays Capital US Corporate A or Better 5-20 Year, Bullets only Index, along with a diversified mutual fund holding fixed income securities rated A or better.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(m)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; text-indent: 36pt;">This category consists of a fund that seeks to approximate the performance of the Barclays Capital US Corporate A or Better, 20+ Year Bullets Only Index over the long term.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(n)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category currently invests in three long/short equity hedge funds.</div></td></tr></table></div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">For the fiscal year ending December 31, 2017, the Company expects to contribute approximately $13,000 to the postretirement plan.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid from both retirement plans:</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Pension</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Postretirement</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Years ending December 31:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2017</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">266</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">279</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2018</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">282</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">295</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2019</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">292</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">305</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2020</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">312</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">325</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2021</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">329</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">341</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 64%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Years 2022-2026</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,175</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">60</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,235</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company also offers a 401(k) plan to its employees.&#160; Contributions to this plan by the Company were $300,000 and $269,000 for 2016 and 2015, respectively.<font style="font-size: 1px; display: inline-block; width: 12pt;">&#160;</font>In addition, the Company made a $219,000 safe harbor contribution to the plan in 2016.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company maintains optional deferred compensation plans for its directors and certain executive officers, whereby fees and income normally received are deferred and paid by the Company based upon a payment schedule commencing at age 65 and continuing monthly for 10 years. Directors must serve on the board for a minimum of 5 years to be eligible for the Plan. At December 31, 2016 and 2015, other liabilities include approximately $2.4 million and $2.2 million, respectively, relating to deferred compensation. Deferred compensation expense for the years ended December 31, 2016 and 2015 amounted to approximately $339,000 and $310,000, respectively.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company has a supplemental executive retirement plan ("SERP") for the benefit of a retired Chief Executive Officer at December 31, 2016.&#160; At December 31, 2016 and 2015, other liabilities included approximately $0 and $15,000, respectively, accrued under this plan related to the retired CEO.&#160; Compensation expense includes approximately $0 relating to this supplemental executive retirement plan for the year ended December 31, 2016 and $4,000 for the year ended December 31, 2015.&#160; This plan fully paid out during 2016.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">To assist in the funding of the Company's benefits under the supplemental executive retirement plan and deferred compensation plans, the Company is the owner of single premium life insurance policies on selected participants.&#160; At December 31, 2016 and 2015, the cash surrender values of these policies were $11.5 million and $10.6 million, respectively.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Bank adopted a Defined Contribution Supplemental Executive Retirement Plan (the "SERP"), effective January 1, 2014.&#160; The SERP benefits certain key senior executives of the Bank who are selected by the Board to participate, including our Named Executive Officers.&#160; The SERP is intended to provide a benefit from the Bank upon retirement, death, disability or voluntary or involuntary termination of service (other than "for cause"), subject to the requirements of Section 409A of the Internal Revenue Code.&#160; Accordingly, the SERP obligates the Bank to make a contribution to each executive's account on the last business day of each calendar year.&#160; In addition, the Bank, may, but is not required to, make additional discretionary contributions to the executive's accounts from time to time.&#160; All executives currently participating in the plan, including the Named Executive Officers, are fully vested in the Bank's contribution to the plan.&#160; In the event the executive is terminated involuntarily or resigns for good reason within 24 months following a change in control, the Bank is required to make additional annual contributions the lesser of:&#160; (1) three years or (2) the number of years remaining until the executive's benefit age, subject to potential reduction to avoid an excess parachute payment under Code Section 280G.&#160; In the event of the executive's death, disability or termination within 24 months after a change in control, the executive's account will be paid in a lump sum to the executive or his beneficiary, as applicable.&#160; In the event the executive is entitled to a benefit from the SERP due to retirement or other termination of employment, the benefit will be paid either in a lump sum or in 10 annual installments as detailed in his or her participant agreement.&#160; At December 31, 2016, other liabilities included $473,000 accrued under this plan.</div></div> 0 4000 130000 16000 0 13000 13000 1000 1000 0.01 0.09 0.042 13000 13000 0.01 0.01 13000 0 0 13000000 13000000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Reclassifications</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Certain amounts in the 2015 consolidated financial statements have been reclassified to conform to the current year presentation.&#160; These reclassifications had no effect on net income as previously reported.</div></div> 17147000 -30300000 0 -13000000 0 -13000000 25000000 10000 8000 0 9836000 9836000 0 0 0 0 2903000 3659000 30420000 68506000 18500000 3500000 24900000 -1755000 0 26400000 3000000 0 43000 0 69000 202000 30228000 25180000 432000 279000 9000 143000 143000 9000 859000 834000 2932000 3298000 0 0 0 0 0 3272000 2889000 0 0 43000 26000 0 0 0 P10Y P40Y <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Premises and Equipment</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed on a straight-line basis over the estimated useful lives of the related assets, ranging up to 40 years for premises and 10 years for equipment. Maintenance and repairs are charged to operating expenses as incurred.&#160; The asset cost and accumulated depreciation are removed from the accounts for assets sold or retired and any resulting gain or loss is included in the determination of income.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">A summary of premises and equipment at December 31, is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Land</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,205</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,176</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Buildings</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13,704</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,111</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Furniture, fixtures and equipment</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,948</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">11,194</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Construction in progress</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">455</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,502</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">29,312</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">27,983</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Less: Accumulated depreciation</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,135</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13,149</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,177</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,834</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> 14834000 15177000 13704000 12948000 2502000 11194000 2176000 455000 2205000 27983000 12111000 29312000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 8: PREMISES AND EQUIPMENT</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">A summary of premises and equipment at December 31, is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Land</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,205</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,176</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Buildings</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13,704</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,111</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Furniture, fixtures and equipment</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,948</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">11,194</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Construction in progress</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">455</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,502</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">29,312</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">27,983</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Less: Accumulated depreciation</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,135</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13,149</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,177</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,834</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> 1349000 953000 118000 407000 -22000 0 109000 374000 -2000 64000 -54000 56000 0 266000 -56000 490000 498000 0 54000 0 354000 29000 0 0 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify; margin-right: 14.4pt;">NOTE 9:&#160; FORECLOSED REAL ESTATE</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company is required to disclose the carrying amount of foreclosed residential real estate properties held as a result of obtaining physical possession of the property at each reporting period.</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">(Dollars in thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of properties</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of properties</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: middle; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Foreclosed residential real estate</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">393</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">182</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">At December 31, 2016, the Company reported $659,000 in residential real estate loans in the process of foreclosure.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Proceeds of $33.2 million and $25.2 million, respectively on sales and redemptions of securities for the years ended December 31 resulted in gross realized gains (losses) detailed below:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Realized gains on investments</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">526</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">439</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Realized gains on hedging activity</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">85</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Realized losses on investments</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">594</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">422</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> -212000 -105000 133000 111000 15000 37000 -358000 -253000 0 0 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">The following table presents the amounts reclassified out of each component of AOCI for the indicated annual period:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="border-top: #000000 2px solid; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="border-top: #000000 2px solid; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">For the years ended</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Details about AOCI<sup style="font-size: smaller; vertical-align: text-top; line-height: 1;">1</sup> components</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Affected Line Item in the Statement of Income</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Unrealized holding gain on financial derivative:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Reclassification adjustment for</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;interest expense included in net income</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(25</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(61</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Interest on long term borrowings</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 38%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 38%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Provision for income taxes</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(15</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net Income</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Retirement plan items</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Retirement plan net losses</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;recognized in plan expenses<sup style="font-size: smaller; vertical-align: text-top; line-height: 1;">2</sup></div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(222</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(185</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Salaries and employee benefits</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 38%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">89</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">74</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Provision for income taxes</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(133</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(111</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net Income</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Available-for-sale securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Realized gain on sale of securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">594</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">422</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net gains on sales and redemptions of investment securities</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 38%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(236</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(169</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 38%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Provision for income taxes</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">358</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">253</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net Income</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #ffffff;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr><td colspan="10" valign="bottom" style="vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;"><sup style="font-size: smaller; vertical-align: text-top; line-height: 1;">1</sup> Amounts in parentheses indicates debits in net income.</div></td></tr><tr><td colspan="10" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;"><sup style="font-size: smaller; vertical-align: text-top; line-height: 1;">2</sup> These items are included in net periodic pension cost.</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;See Note 14 for additional information.</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 38%; background-color: #cceeff;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 20: REGULATORY MATTERS</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of its assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain amounts and ratios (set forth in the table below) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined).</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">As of December 31, 2016, the Bank's most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as "well-capitalized", under the regulatory framework for prompt corrective action.&#160; To be categorized as "well-capitalized", the Bank must maintain total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the tables below. There are no conditions or events since that notification that management believes have changed the Bank's category.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">As noted above, the regulations also impose a "capital conservation buffer" consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets above the amount necessary to meet its minimum risk-based capital requirements.&#160; The buffer is separate from the capital ratios required under the&#160;Prompt Corrective Action ("PCA") standards and imposes restrictions on dividend distributions and discretionary bonuses. In order to avoid these restrictions, the capital conservation buffer effectively increases the minimum the following capital to risk-weighted assets ratios: (1) Core Capital, (2) Total Capital and (3) Common Equity.&#160; The capital conservation buffer requirement is being phased in beginning January 1, 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented at 2.5% on January 1, 2019. At December 30, 2016, the Bank exceeded all current and projected regulatory required minimum capital ratios, including the maximum capital buffer level that will be required on January 1, 2019.</div><div>&#160;</div><div>The Bank's actual capital amounts and ratios as of December 31, 2016 and 2015 are presented in the following table.</div><div>&#160;</div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: center;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: center;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Actual</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: center;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: center;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Minimum For</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Capital Adequacy Purposes</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: center;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: center;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Minimum To Be</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">"Well-Capitalized"</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Under Prompt</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Corrective Provisions</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: center;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: center;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Well-Capitalized</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">With Buffer, Fully</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Phased In For 2019</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(Dollars in thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Ratio</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Ratio</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Ratio</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Ratio</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">As of December 31, 2016</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 20%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Total core capital (to risk-weighted assets)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">72,098</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14.79</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">38,996</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">48,745</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">51,182</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10.50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 20%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Tier 1 capital (to risk-weighted assets)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66,003</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13.54</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">29,247</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">38,996</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">41,433</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8.50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 20%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Tier 1 common equity (to risk-weighted assets)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66,003</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13.54</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,935</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4.50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31,684</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">34,121</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 20%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Tier 1 capital (to adjusted assets)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66,003</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9.06</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">29,154</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">36,443</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">36,443</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 20%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">As of December 31, 2015:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 20%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Total core capital (to risk-weighted assets)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67,286</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16.22</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">33,187</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">41,484</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 20%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Tier 1 capital (to risk-weighted assets)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">62,038</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14.95</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,891</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">33,187</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 20%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Tier 1 common equity (to risk-weighted assets)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">62,038</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14.95</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,668</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4.50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">26,965</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 20%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Tier 1 capital (to adjusted assets)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">62,038</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,816</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31,020</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">On September 1, 2011, the Company entered into a Securities Purchase Agreement with the Secretary of the Treasury ("Treasury") pursuant to which the Company sold to the Treasury, 13,000 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series B ("Series B Preferred Stock"), having a liquidation preference of $1,000 per share for aggregate proceeds of $13,000,000.&#160; This transaction was entered into as part of the SBLF.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Series B Preferred Stock was entitled to receive non-cumulative dividends payable quarterly, on each January 1, April 1, July 1 and October 1, beginning October 1, 2011.&#160;&#160;The dividend rate, which was calculated on the aggregate liquidation amount, was initially set at 4.2% per annum based upon the level of "Qualified Small Business Lending," or "QSBL" (as defined in the Securities Purchase Agreement) by Pathfinder Bank.&#160;&#160;The dividend rate for dividend periods subsequent to the initial period was set based upon the "Percentage Change in Qualified Lending" (as defined in the Securities Purchase Agreement) between each dividend period and the "Baseline" QSBL level.&#160;&#160; In general, the dividend rate decreased as the level of Pathfinder Bank's QSBL increased.&#160;&#160;Our dividend rate as of December 31, 2015 was 1.0%. Such dividends were not cumulative, but we could only declare and pay dividends on our common stock (or any other equity securities junior to the Series B Preferred Stock) if we have declared and paid dividends for the current dividend period on the Series B Preferred Stock.&#160; We were also subject to other restrictions on our ability to repurchase or redeem other securities.&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Company had the right to redeem the shares of Series B Preferred Stock, in whole or in part, at any time at a redemption price equal to the sum of the liquidation amount per share and the per-share amount of any unpaid dividends for the then-current period, subject to any required prior approval by its primary federal regulator.&#160; On February 16, 2016, the Company redeemed all 13,000 shares of the Series B Preferred Stock outstanding with the payment of $13.0 million to the SBLF.&#160; This redemption was substantially financed by the </font>issuance of the $10 million Subordinated Loan on October 15, 2015. The issuance of the Subordinated Loan will increase interest expense by $644,000 per year but prospectively reduce the amount payable to the SBLF in preferred stock dividends.&#160; Effective April 1, 2016, the annual dividend rate for the preferred stock would have been 9.0%.&#160; The retirement of the $13.0 million of the SBLF Preferred Series B stock, therefore will result in an annual reduction of preferred dividends payable of $1.2 million.&#160; The Company paid $16,000 and $130,000 in preferred dividends in 2016 and 2015, respectively. These transactions had no effect on the regulatory capital position of the Bank.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company's goal is to maintain a strong capital position, consistent with the risk profile of its subsidiary banks that supports growth and expansion activities while at the same time exceeding regulatory standards.&#160; At December 31, 2016, the Bank exceeded all regulatory required minimum capital ratios and met the regulatory definition of a "well-capitalized" institution, i.e. a leverage capital ratio exceeding 5%, a Tier 1 risk-based capital ratio exceeding 6% and a total risk-based capital ratio exceeding 10%.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Bank is required to maintain average balances on hand or with the Federal Reserve Bank.&#160; At December 31, 2016 and 2015, these reserve balances amounted to $13.2 million and $3.9 million, respectively and are included in cash and due from banks in the statement of condition.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">NOTE 24:&#160; RELATED PARTY TRANSACTIONS</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In the ordinary course of business, the Company has granted loans to certain directors, executive officers and their affiliates (collectively referred to as "related parties").&#160; These loans were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other unaffiliated parties and do not involve more than normal risk of collectability.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following represents the activity associated with loans to related parties during the year ended December 31, 2016:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Balance at the beginning of the year</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,324</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Originations and Officer additions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,122</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Principal payments</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,562</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Balance at the end of the year</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,884</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Deposits of related parties at December 31, 2016 and December 31, 2015 were $3.4 million and $2.0 million, respectively.</div></div> 3400000 2000000 3000000 13000000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 19: DIVIDENDS AND RESTRICTIONS</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company's ability to pay dividends to its shareholders is largely dependent on the Bank's ability to pay dividends to the Company.&#160; In addition to state law requirements and the capital requirements discussed in Note 20, federal statutes, regulations and policies limit the circumstances under which the Bank may pay dividends.&#160; The amount of retained earnings legally available under these regulations approximated $10.4 million as of December 31, 2016.&#160; Dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank's capital to be reduced below applicable minimum capital requirements.&#160; The Bank made no dividend payments to the Company in the years ended December 31, 2016, December 31, 2015 or December 31, 2014.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">Capital adequacy is evaluated primarily by the use of ratios which measure capital against total assets, as well as against total assets that are weighted based on defined risk characteristics.&#160; The Company's goal is to maintain a strong capital position, consistent with the risk profile of its banking operations.&#160; This strong capital position serves to support growth and expansion activities while at the same time exceeding regulatory standards.&#160; At December 30, 2016, the Bank met the regulatory definition of a "well-capitalized" institution, i.e. a leverage capital ratio exceeding 5%, a Tier 1 risk-based capital ratio exceeding 8%, Tier 1 common equity exceeding 6.5%, and a total risk-based capital ratio exceeding 10%.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In addition to establishing the minimum regulatory capital requirements, the regulations limit capital distributions and certain discretionary bonus payments to management if the institution does not hold a "capital conservation buffer" consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets above the amount necessary to meet its minimum risk-based capital requirements.&#160; The buffer is separate from the capital ratios required under the&#160;Prompt Corrective Action ("PCA") standards. In order to avoid these restrictions, the capital conservation buffer effectively increases the minimum the following capital to risk-weighted assets ratios: (1) Core Capital, (2) Total Capital and (3) Common Equity.&#160; The capital conservation buffer requirement is being phased in beginning January 1, 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented at 2.5% on January 1, 2019. At December 30, 2016, the Bank exceeded all current and projected regulatory required minimum capital ratios, including the maximum capital buffer level that will be required on January 1, 2019.</div></div> 35619000 33183000 P4Y8M12D P7Y P7Y P7Y P7Y P7Y P7Y <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The estimated amortization expense for each of the five succeeding years ended December 31, is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2017</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2018</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2019</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2020</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2021</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Thereafter</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">118</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">198</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> 10772000 9687000 222000 185000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The provision for income taxes for the years ended December 31, is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Current</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,360</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">955</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Deferred</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(249</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">116</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,111</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,071</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">The provision for income taxes includes the following:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Federal Income Tax</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">980</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">929</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">State Tax</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">131</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">142</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,111</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,071</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The significant assumptions used in determining the benefit obligations as of December 31, are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Pension Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Postretirement Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Weighted average discount rate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.15</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.05</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.32</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.23</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Rate of increase in future compensation levels</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The significant assumptions used in determining the net periodic benefit plan cost for years ended December 31, were as follows:</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Pension Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Postretirement Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Weighted average discount rate</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.05</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4.90</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.23</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4.98</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Expected long term rate of return on plan assets</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7.50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7.50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Rate of increase in future compensation levels</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Changes in the components of accumulated other comprehensive income (loss) ("AOCI"), net of tax, for the periods indicated are summarized in the table below.</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">For the years ended December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Retirement Plans</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized Gains and Losses on Financial derivative</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized Gains and Losses on Available-for-Sale Securities</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized Loss on Securities</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Transferred to</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Held-to-Maturity</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Beginning balance</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,844</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(51</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(654</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2,565</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Other comprehensive income before reclassifications</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">198</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,436</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">190</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,045</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Amounts reclassified from AOCI</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">133</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(358</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(212</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,513</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,845</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(464</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,822</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr></table><div><br /></div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="18" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">For the years ended December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Retirement Plans</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized Gains and Losses on Financial derivative</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized Gains and Losses on Available-for-Sale Securities</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized Loss on Securities Transferred to Held-to-Maturity</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Beginning balance</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,794</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(49</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">457</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(733</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2,119</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Other comprehensive (loss) income before reclassifications</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(161</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(255</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">79</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(341</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Amounts reclassified from AOCI</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">111</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(253</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Ending balance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,844</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(51</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(654</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2,565</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">The components of the net deferred tax liability, included in other liabilities as of December 31, are as follows:<br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Assets:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Deferred compensation</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">912</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">858</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Allowance for loan losses</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,392</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,185</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Postretirement benefits</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">56</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">61</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Subordinated loan interest</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Investment securities and financial derivative</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,229</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Impairment losses on investment securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">88</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">155</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Loan origination fees</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">184</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Capital loss carryforward</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">62</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">120</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Held-to-maturity securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">310</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">417</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">166</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">121</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,436</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,983</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Liabilities:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Prepaid pension</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,605</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,336</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Depreciation</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,083</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,011</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Accretion</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(211</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(145</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Loan origination fees</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Intangible assets</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,470</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,470</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Investment securities and financial derivative</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(21</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mortgage servicing rights</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(15</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(20</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Prepaid expenses and transaction fees</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(204</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(97</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(4,588</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(4,100</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">848</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Less: deferred tax asset valuation allowance</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(150</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(265</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Net deferred tax asset</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">698</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(382</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid from both retirement plans:</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Pension</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Postretirement</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Years ending December 31:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2017</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">266</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">279</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2018</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">282</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">295</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2019</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">292</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">305</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2020</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">312</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">325</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2021</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">329</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">341</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 64%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Years 2022-2026</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,175</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">60</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,235</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Activity in the stock option plans is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Weighted</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Options</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Average</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Shares</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(Shares in thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Outstanding</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Exercise Price</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Exercisable</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Outstanding at December 31, 2014</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">170</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.75</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">95</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Granted</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">11.09</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Newly vested</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.75</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">35</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Exercised</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Expired</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 64%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Outstanding at December 31, 2015</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">185</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.75</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">128</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Granted</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">264</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">11.25</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Newly vested</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.21</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Exercised</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(26</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(26</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr style="height: 14px;"><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 64%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Expired</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 64%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Outstanding at December 31, 2016</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">423</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.21</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">139</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The composition of borrowings (excluding subordinated loans) at December 31 is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Short-term:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">FHLB Advances</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">42,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,800</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Deferred fees hedging</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(53</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Total short-term borrowings</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">41,947</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,800</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Long-term:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">FHLB advances</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,500</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Total long-term borrowings</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,500</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following table summarizes the fair value of outstanding derivatives and their presentation on the statements of condition as of December 31:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Cash flow hedge:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;Other liabilities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">27</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">The change in accumulated other comprehensive loss, on a pretax basis, and the impact on earnings from the interest rate swap that qualifies as a cash flow hedge for the year ended December 31 were as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Balance as of December 31:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(27</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(82</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Amount of gains/losses recognized in other comprehensive income</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Amount of loss reclassified from other comprehensive income</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">&#160;&#160;&#160;&#160;&#160;and recognized as interest expense</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">25</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">61</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Balance as of December 31:</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(27</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div>Year-end nonaccrual loans, segregated by class of loan, were as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,560</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,715</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,560</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,715</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Commercial loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Real estate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,223</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,694</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">174</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">640</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">370</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,863</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,238</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Consumer loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">338</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">360</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">388</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">365</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total nonaccrual loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,811</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,318</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following represents the activity associated with loans to related parties during the year ended December 31, 2016:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Balance at the beginning of the year</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,324</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Originations and Officer additions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,122</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Principal payments</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,562</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Balance at the end of the year</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,884</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Amounts recognized in accumulated other comprehensive loss as of December 31 are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Pension Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Postretirement Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net loss/(gain)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,685</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,245</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(165</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(172</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Tax Effect</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,074</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,298</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(66</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(69</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,611</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,947</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(99</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(103</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following table sets forth the calculation of basic and diluted earnings per share.</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Years ended</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands, except per share data)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Basic Earnings Per Common Share</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Net income available to common shareholders</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,256</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,759</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Weighted average common shares outstanding</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,124</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Basic earnings per common share</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">0.79</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">0.67</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Diluted Earnings Per Common Share</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Net income available to common shareholders</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,256</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,759</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Weighted average common shares outstanding</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,124</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Effect of assumed exercise of stock options</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">85</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Diluted weighted average common shares outstanding</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,190</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,191</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Diluted earnings per common share</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">0.78</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">0.66</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following tables set forth the changes in the plans' benefit obligations, fair value of plan assets and the plans' funded status as of December 31:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Pension Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Postretirement Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Change in benefit obligations:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Benefit obligations at beginning of year</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,319</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,679</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">159</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">356</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Service cost</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Interest cost</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">464</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">468</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Actuarial gain</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(231</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(586</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(201</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Benefits paid</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(229</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(242</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Benefit obligations at end of year</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,323</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,319</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">154</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">159</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Change in plan assets:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Fair value of plan assets at beginning of year</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,808</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13,125</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Actual return on plan assets</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,055</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(75</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Benefits paid</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(229</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(242</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Employer contributions</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Fair value of plan assets at end of year</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13,634</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,808</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Funded Status - asset (liability)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,311</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,489</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(154</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(159</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The composition of the net periodic benefit plan cost for the years ended December 31 is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Pension Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Postretirement Benefits</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Service cost</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Interest cost</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">464</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">468</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Expected return on plan assets</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(951</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(975</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Amortization of transition obligation</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Amortization of net losses/(gains)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">226</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">180</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Amortization of unrecognized past service liability</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net periodic benefit plan (benefit) cost</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(261</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(327</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The gross carrying amount and annual amortization for this identifiable intangible asset are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Gross carrying amount</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">214</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">175</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Addition due to Huntington Agency purchase</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">55</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Amortization recognized in the year</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Net amortizing intangibles</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">198</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">214</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following represents the condensed financial information of Pathfinder Bancorp, Inc. as of and for the years ended December 31:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Statements of Condition</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Assets</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Cash</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,424</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,418</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Investments</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">455</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">358</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Investment in bank subsidiary</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67,281</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">64,519</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Investment in non-bank subsidiary</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">155</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">155</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other assets</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">475</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">185</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Total assets</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">73,790</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">86,635</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Liabilities and Shareholders' Equity</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Accrued liabilities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">404</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">415</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Subordinated loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,025</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,991</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Shareholders' equity</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">58,361</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">71,229</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Total liabilities and shareholders' equity</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">73,790</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">86,635</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Statements of Income</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Income</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Dividends from non-bank subsidiary</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Realized gains on available-for sale investment securities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">108</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total income</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">112</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Expenses</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Interest</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">880</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">300</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Operating, net</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">230</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">248</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total expenses</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,110</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">548</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Loss before taxes and equity in undistributed net income of subsidiaries</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(998</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(544</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Tax benefit</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">254</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">162</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Loss before equity in undistributed net income of subsidiaries</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(744</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(382</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Equity in undistributed net income of subsidiaries</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,271</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Net income</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,272</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,889</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Statements of Cash Flows</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Operating Activities</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Net Income</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,272</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,889</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Equity in undistributed net income of subsidiaries</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(4,016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,271</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Realized gains on available-for-sale investment securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(23</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Stock based compensation and ESOP expense</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">557</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">354</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Amortization of deferred financing from subordinated loan</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">34</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Net change in other assets and liabilities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(152</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">95</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Net cash flows from operating activities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(328</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Investing Activities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Purchase investments</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(130</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(312</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Net gain on hedging transaction</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(85</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Proceeds from sale of investment</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">43</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Net cash flows from investing activities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(172</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(312</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left;">Financing activities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Redemption of preferred stock - SBLF</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(13,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Proceeds from exercise of stock options</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">143</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Proceeds from subordinated loan</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,836</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Purchase of common stock</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,755</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Cash dividends paid to preferred shareholders</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(130</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Cash dividends paid to common shareholders</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(866</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(609</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Net cash flows from financing activities</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(15,494</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,106</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Change in cash and cash equivalents</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(15,994</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,861</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Cash and cash equivalents at beginning of year</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,418</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,557</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Cash and cash equivalents at end of year</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,424</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,418</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Approximate minimum rental commitments for non-cancelable operating leases are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Years Ending December 31:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2017</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">147</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2018</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2019</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">62</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2020</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">56</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2021</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Thereafter</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">293</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Total minimum lease payments</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">694</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company's investment securities' gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, is as follows:</div><div><br /></div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="34" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Less than Twelve Months</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Twelve Months or More</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Individual</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Individual</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Individual</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Securities</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Securities</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Securities</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(Dollars in thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Available-for-Sale</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">US Treasury, agencies and GSE's</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(80</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,161</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(80</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,161</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(737</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,057</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(737</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,057</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(385</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,587</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(385</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,587</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Asset backed securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,455</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,455</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Equity and other investments</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">29,849</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">29,849</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">28</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,087</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">33,376</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(96</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,514</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">32</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,183</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">35,890</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,577</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,577</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Totals</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">129</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,086</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">121,688</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(96</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,514</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">133</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,182</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">124,202</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Held-to-Maturity</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">US Treasury, agencies and GSE's</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(18</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">982</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(18</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">982</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(693</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,038</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(693</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,038</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(228</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,402</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(228</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,402</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(20</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,869</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(20</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,869</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(71</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,396</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(71</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,396</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Totals</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">26</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,030</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,687</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">26</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,030</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,687</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /> &#160;</div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="34" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Less than Twelve Months</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Twelve Months or More</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Individual</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Individual</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Individual</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Securities</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Securities</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Securities</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(Dollars in thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Available-for-Sale</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">US Treasury, agencies and GSE's</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(70</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13,382</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(15</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">984</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(85</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,366</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,894</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">339</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,233</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(57</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,123</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(39</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,820</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(96</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,943</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Asset backed securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Equity and other investments</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(148</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">20,204</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(132</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,812</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">19</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(280</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">25,016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(80</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,618</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(62</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,789</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(142</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,407</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Totals</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(364</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">52,859</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(249</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,744</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(613</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">63,603</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Held-to-Maturity</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">US Treasury, agencies and GSE's</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(29</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,970</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(29</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,970</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">225</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">225</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">795</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">795</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 10%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 10%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Totals</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,990</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,990</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div>The principal balances, interest rates and maturities of the remaining borrowings, all of which are at a fixed rate, at December 31, 2016 are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Term</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Principal</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Rates</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(Dollars in thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Advances with FHLB</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">due within 1 year</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">0.78-2.56</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">due within 2 years</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1.04</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">due within 10 years</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1.16-2.55</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Total advances with FHLB</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Total long-term fixed rate borrowings</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">At December 31, 2016, scheduled repayments of long-term debt are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2017</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2018</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2019</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2020</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2021</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Thereafter</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 88%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">A reconciliation of the federal statutory income tax rate to the effective income tax rate for the years ended December 31, is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Federal statutory income tax rate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">34.0</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">34.0</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">State tax, net of federal benefit</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1.9</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2.3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Tax-exempt interest income</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(8.6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(8.1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Increase in value of bank owned life insurance less premiums paid</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2.0</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3.0</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Change in valuation allowance</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2.6</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(4.8</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Other</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2.5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.4</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Effective income tax rate</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">25.2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">26.8</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Pension plan assets measured at fair value are summarized below:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">At December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Asset Category:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Mutual funds - equity</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Large-cap value (a)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">958</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">958</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Large-cap Growth (b)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">860</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">860</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Large-cap Core (c)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">609</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">609</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Mid-cap Value (d)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">204</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">204</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mid-cap Growth (e)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">186</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">186</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mid-cap Core (f)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">209</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">209</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Small-cap Value (g)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">167</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">167</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;Small-cap Growth (h)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Small-cap Core (i)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">312</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">312</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;International Equity (j)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,131</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,131</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Equity -Total</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,776</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,776</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Fixed Income Funds</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;&#160;Fixed Income-US Core (k)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,695</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,695</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;&#160;Intermediate Duration (l)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,932</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,932</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;&#160;Long Duration (m)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,474</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,474</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;&#160;&#160;Fixed Income-Total</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,101</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,101</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Long/Short Equity(n)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,165</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,165</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Company Common Stock</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Cash Equivalents-Money market*</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">70</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">522</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">592</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">70</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13,564</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13,634</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">At December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Level 3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Asset Category:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Mutual funds - equity</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Large-cap value (a)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">696</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">696</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Large-cap Growth (b)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">783</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">783</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Large-cap Core (c)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">510</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">510</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Mid-cap Value (d)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">166</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">166</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mid-cap Growth (e)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">163</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">163</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mid-cap Core (f)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">162</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">162</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Small-cap Value (g)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">119</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">119</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;Small-cap Growth (h)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Small-cap Core (i)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">238</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">238</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;International Equity (j)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">996</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">996</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Equity -Total</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,950</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,950</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Fixed Income Funds</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;&#160;Fixed Income-US Core (k)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,578</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,578</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;&#160;Intermediate Duration (l)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,865</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,865</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;&#160;Long Duration (m)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,347</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,347</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;&#160;&#160;&#160;Fixed Income-Total</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,790</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,790</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Long/Short Equity(n)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,793</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,793</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Company Common Stock</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Cash Equivalents-Money market*</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">72</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">203</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">275</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">72</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,736</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,808</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td colspan="8" valign="bottom" style="vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">*Includes cash equivalents investments in equity and fixed income strategies</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(a)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category contains large-cap stocks with above-average yield.&#160; The portfolio typically holds between 60 and 70 stocks.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(b)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category seeks long-term capital appreciation by investing primarily in large growth companies based in the U.S.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(c)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This fund tracks the performance of the S&amp;P 500 index by purchasing the securities represented in the index in approximately the same weightings as the index.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(d)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Value Index.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(e)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Growth Index.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(f)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category seeks to track the performance of the S&amp;P Midcap 400 Index.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(g)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category consists of a selection of investments based on the Russell 2000 Value Index.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(h)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category consists of a selection of investments based on the Russell 2000 Growth Index.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(i)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category consists of an index fund designed to track the Russell 2000, along with a fund investing in readily marketable securities of U.S. companies with market capitalizations within the smallest 10% of the market universe, or smaller than the 1000th largest US company.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(j)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category has investments in medium to large non-US companies, including high quality, durable growth companies and companies based in countries with stable economic and political systems.&#160; A portion of this category consists of an index fund designed to track the MSC ACWI ex-US Net Dividend Return Index.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(k)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category currently includes equal investments in three mutual funds, two of which usually hold at least 80% of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that index.&#160; The third fund targets investments of 50% or more in mortgage-backed securities guaranteed by the US government and its agencies.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(l)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category consists mostly of a fund which seeks to track the Barclays Capital US Corporate A or Better 5-20 Year, Bullets only Index, along with a diversified mutual fund holding fixed income securities rated A or better.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(m)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; text-indent: 36pt;">This category consists of a fund that seeks to approximate the performance of the Barclays Capital US Corporate A or Better, 20+ Year Bullets Only Index over the long term.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="vertical-align: top; width: 36pt; align: right;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; margin-left: 18pt;">(n)</div></td><td style="vertical-align: top; width: auto;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">This category currently invests in three long/short equity hedge funds.</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div>The Bank's actual capital amounts and ratios as of December 31, 2016 and 2015 are presented in the following table.</div><div>&#160;</div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: center;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: center;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Actual</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: center;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: center;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Minimum For</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Capital Adequacy Purposes</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: center;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: center;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Minimum To Be</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">"Well-Capitalized"</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Under Prompt</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Corrective Provisions</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: center;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: center;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Well-Capitalized</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">With Buffer, Fully</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Phased In For 2019</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(Dollars in thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Ratio</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Ratio</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Ratio</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Ratio</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">As of December 31, 2016</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 20%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Total core capital (to risk-weighted assets)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">72,098</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14.79</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">38,996</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">48,745</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">51,182</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10.50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 20%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Tier 1 capital (to risk-weighted assets)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66,003</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13.54</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">29,247</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">38,996</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">41,433</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8.50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 20%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Tier 1 common equity (to risk-weighted assets)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66,003</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13.54</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,935</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4.50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31,684</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">34,121</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 20%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Tier 1 capital (to adjusted assets)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66,003</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9.06</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">29,154</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">36,443</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">36,443</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 20%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">As of December 31, 2015:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 20%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Total core capital (to risk-weighted assets)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67,286</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16.22</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">33,187</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">41,484</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 20%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Tier 1 capital (to risk-weighted assets)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">62,038</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14.95</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,891</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">33,187</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 20%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Tier 1 common equity (to risk-weighted assets)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">62,038</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14.95</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,668</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4.50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">26,965</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 7%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 20%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 8pt;">Tier 1 capital (to adjusted assets)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">62,038</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,816</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31,020</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 7%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5.00</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 7%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">At December 31, 2016 and 2015, the following financial instruments were outstanding whose contract amounts represent credit risk:</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Contract Amount</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Commitments to grant loans</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">46,649</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">20,168</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Unfunded commitments under lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">48,653</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">34,469</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Unfunded commitments related to construction loans in progress</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,918</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,726</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Standby letters of credit</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,900</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,884</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The principal balances, interest rates and maturities of the subordinated loans at December 31, 2016 are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Term</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Principal</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Rates</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(Dollars in thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Subordinated loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">due within 10 years</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,870</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.48</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr style="height: 21px;"><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">due within 21 years</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,155</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">3-Month Libor + 1.65%</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr style="height: 14px;"><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Total subordinated loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,025</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Major classifications of loans are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Residential mortgage loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">199,000</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">181,792</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Construction</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,924</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total residential mortgage loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">207,505</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">189,716</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Commercial loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Real estate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">150,698</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">129,506</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,225</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">19,035</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67,646</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,899</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Tax exempt loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12,523</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total commercial loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">254,092</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">212,521</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Consumer loans:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,722</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,463</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,293</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,886</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total consumer loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31,015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">28,349</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">492,612</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">430,586</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Net deferred loan fees</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(465</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(148</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Less allowance for loan losses</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(6,247</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5,706</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Loans receivable, net</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">485,900</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">424,732</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Segment Reporting</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company has evaluated the activities relating to its strategic business units.&#160; The controlling interest in the FitzGibbons Agency is dissimilar in nature and management when compared to the Company's other strategic business units which are judged to be similar in nature and management.&#160; The Company has determined that the FitzGibbons Agency is below the reporting threshold in size in accordance with Accounting Standards Codification 280.&#160; Accordingly, the Company has determined it has no reportable segments.</div></div> 0 0 14000 12000 233000 138000 264000 85000 11.25 11.09 P5Y P5Y P7Y P5Y P5Y P7Y P5Y P5Y 0 0 79083 264000 17000 16472 46570 92261 47768 8436 16472 123540 44812 31635 74124 0 0 0 0 5.80 247080 263605 105442 0.016 0.016 0.019 0.02 0.017 0.022 95000 139000 128000 1700000 1200000 0.0155 0.014 0.01 0.0149 0.0155 0.0155 0.0045 0.0032 0.0023 0.0032 0.0032 0.0045 5.75 6.21 5.75 170000 423000 185000 3.32 2.56 3.69 2.29 3.17 3.59 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Stock-Based Compensation</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Compensation costs related to share-based payment transactions are recognized based on the grant-date fair value of the stock-based compensation issued. Compensation costs are recognized over the period that an employee provides service in exchange for the award.&#160; Compensation costs related to the Employee Stock Ownership Plan are dependent upon the average stock price and the shares committed to be released to plan participants through the period in which income is reported.</div></div> 10.00 10.00 24800000 41947000 42000000 24800000 142000 131000 -13000 13000 105442 125000 557000 354000 354000 557000 0 0 0 143000 0 0 0 9000 0 143000 0 0 0 9000 0 0 0 0 0 13000000 0 13000000 0 0 2636053 105442 2636053 26000 2000 71229000 58361000 13000000 28717000 414000 424000 31085000 -2565000 44000 28534000 69204000 -2119000 33183000 -1574000 44000 13000000 -1754000 27483000 432000 -3822000 35619000 0 43000 -1394000 70805000 57929000 71229000 58361000 -2565000 -2119000 -1794000 -1844000 -49000 -16000 -51000 457000 -733000 -654000 -3822000 -1513000 0 -1845000 -464000 9870000 14991000 15025000 5155000 9836000 5155000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 13: SUBORDINATED LOANS</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company has a non-consolidated subsidiary trust, Pathfinder Statutory Trust II, of which the Company owns 100% of the common equity.&#160; The Trust issued $5,000,000 of 30-year floating rate Company-obligated pooled capital securities of Pathfinder Statutory Trust II ("Floating-Rate Debentures").&#160; The Company borrowed the proceeds of the capital securities from its subsidiary by issuing floating rate junior subordinated deferrable interest debentures having substantially similar terms.&#160; The capital securities mature in 2037 and are treated as Tier 1 capital by the Federal Deposit Insurance Corporation and the Federal Reserve Board ("FRB").&#160; The capital securities of the trust are a pooled trust preferred fund of Preferred Term Securities VI, Ltd. and are tied to the 3-month LIBOR (1.00%) plus 1.65% for a total of 2.65% at December 31, 2016 with a five-year call provision.&#160; The Company guarantees all of these securities.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company's equity interest in the trust subsidiary of&#160; is included in other assets on the Consolidated Statements of Financial Condition at December 31, 2016 and 2015.&#160; For regulatory reporting purposes, the Federal Reserve has indicated that the preferred securities will continue to qualify as Tier 1 Capital subject to previously specified limitations, until further notice. If regulators make a determination that Trust Preferred Securities can no longer be considered in regulatory capital, the securities become callable and the Company may redeem them.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">On October 15, 2015, the Company executed the $10.0 million non-amortizing subordinated loan with an unrelated third party that is scheduled to mature on October 1, 2025. The Company has the right to prepay the subordinated loan at any time after October 15, 2020 without penalty. The terms of the subordinated loan required interest payments at an annual interest rate of 3.50% from October 15, 2015 to February 29, 2016. The annual interest rate charged the Company increased to 6.25% on March 1, 2016 through the maturity date.&#160; The Subordinated Loan is senior in the Company's credit repayment hierarchy only to the Company's common equity and, as a result, qualifies as Tier 2 capital for all future periods when applicable.&#160; The Company paid $172,000 in origination and legal fees as part of this transaction.&#160; These fees will be amortized over the life of the subordinated loan through its first call date using the effective interest method.&#160; The effective cost of funds related to this transaction is 6.44% calculated under this method. </div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The composition of subordinated loans at December 31 is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Subordinated loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Junior subordinated debenture</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,155</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,155</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Subordinated loan</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,870</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,836</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Total subordinated loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,025</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,991</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The principal balances, interest rates and maturities of the subordinated loans at December 31, 2016 are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Term</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Principal</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">Rates</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(Dollars in thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Subordinated loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">due within 10 years</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,870</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.48</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">%</div></td></tr><tr style="height: 21px;"><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">due within 21 years</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,155</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">3-Month Libor + 1.65%</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr style="height: 14px;"><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Total subordinated loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,025</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">At December 31, 2016, scheduled repayments of the subordinated loans:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2017</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2018</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2019</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2020</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2021</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Thereafter</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,025</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 88%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,025</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> 14991000 15025000 0.1354 0.1495 29154000 24816000 0.06 0.06 38996000 33187000 0.05 0.05 0.0906 0.1 24891000 29247000 0.08 0.08 66003000 62038000 0.04 0.04 36443000 31020000 62038000 66003000 4770000 33016000 89200000 42807000 111250000 132007000 78234000 189356000 14313000 38693000 119945000 8774000 2861000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-weight: bold;">NOTE 7: SERVICING</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Loans serviced for others are not included in the accompanying consolidated statements of condition.&#160; At December 31, 2016 and 2015, the Bank serviced 268 and 317 residential mortgage loans for others, respectively. The unpaid principal balances of mortgage loans serviced for others were $17.0 million and $20.9 million at December 31, 2016 and 2015, respectively.&#160; The balance of capitalized servicing rights included in other assets at December 31, 2016 and 2015, was $40,000 and $52,000, respectively.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following summarizes mortgage servicing rights capitalized and amortized:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Mortgage servicing rights capitalized</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Mortgage servicing rights amortized</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Transfers of Financial Assets</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Transfers of financial assets, including sales of loans and loan participations, are accounted for as sales when control over the assets has been surrendered.&#160; Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.<br /></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div>Additional provision for loan losses is the change in the allowance for loan losses between the pre-modification outstanding recorded investment and post-modification outstanding recorded investment.</div><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">For the year ended December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of loans</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Pre-modification outstanding recorded investment</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Post-modification outstanding recorded investment</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Additional provision for loan losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Individually evaluated for impairment:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Residential mortgage loans</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">127</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">135</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">29</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Commercial real estate loans</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,088</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,088</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><div><br /></div><div>TDRs below these threshold amounts were collectively evaluated for impairment as of December 31, 2015.</div><div style="text-align: justify; margin-right: 14.4pt;"><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 15px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 575px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">For the year ended December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 15px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 123px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of loans</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Pre-modification outstanding recorded investment</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Post-modification outstanding recorded investment</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Additional provision for loan losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Individually evaluated for impairment:</div></td><td valign="bottom" style="vertical-align: bottom; width: 15px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; width: 123px;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Commercial real estate loans</div></td><td valign="bottom" style="vertical-align: bottom; width: 1.2%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">678</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">324</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">354</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1.2%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Collectively evaluated for impairment:</div></td><td valign="bottom" style="vertical-align: bottom; width: 1.2%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 9pt;">Residential mortgage loans</div></td><td valign="bottom" style="vertical-align: bottom; width: 1.2%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">69</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">79</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> 1574000 1394000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The amortized cost and estimated fair value of investment securities are summarized as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Estimated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Gains</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Available-for-Sale Portfolio</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Debt investment securities:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">US Treasury, agencies and GSEs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,263</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(80</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">24,184</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17,185</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">33</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(737</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,481</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,560</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">20</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(385</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,195</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Asset backed securities</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,696</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,664</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31,204</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30,566</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">42,124</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">45</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,183</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">40,986</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,682</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(105</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,577</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">143,714</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">104</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,165</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">140,653</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Equity investment securities:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mutual funds:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Ultra short mortgage fund</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">643</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">626</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Common stock - financial services industry</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">663</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">676</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,306</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,302</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total available-for-sale</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">145,020</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3,182</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">141,955</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Held-to-Maturity Portfolio</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Debt investment securities:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">US Treasury, agencies and GSEs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,928</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(18</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,940</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30,697</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">572</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(693</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30,576</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,240</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">85</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(228</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,097</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,386</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(20</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,397</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,927</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">96</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,023</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Collateralized mortgage obligations - Private label</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,467</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(71</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,396</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total held-to-maturity</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,645</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">814</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1,030</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54,429</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Estimated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Gains</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Available-for-Sale Portfolio</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Debt investment securities:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">US Treasury, agencies and GSEs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,380</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(85</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,308</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,198</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">107</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,300</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,173</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">51</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(96</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,128</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">32,740</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">113</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(280</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">32,573</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,880</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">95</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(142</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16,833</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 30pt;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">97,371</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">379</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(608</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">97,142</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Equity investment securities:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Mutual funds:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Ultra short mortgage fund</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">643</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">638</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Large cap equity fund</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">456</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">127</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">583</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Common stock - financial services industry</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">554</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">25</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">579</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,653</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">152</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,800</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total available-for-sale</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">99,024</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">531</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(613</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">98,942</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; font-style: italic; text-align: left;">Held-to-Maturity Portfolio</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Debt investment securities:</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">US Treasury, agencies and GSEs</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,860</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">81</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(29</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,912</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">State and political subdivisions</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,585</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">881</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,466</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Corporate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,175</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,225</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Residential mortgage-backed - US agency</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,763</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">137</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,895</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Collateralized mortgage obligations - US agency</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,914</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">103</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,017</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 52%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total held-to-maturity</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">44,297</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,255</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(37</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">45,515</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Use of Estimates in the Preparation of Consolidated Financial Statements</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.&#160; Management has identified the allowance for loan losses, deferred income taxes, pension obligations, the annual evaluation of the Company's goodwill for possible impairment and the evaluation of investment securities for other than temporary impairment and the estimation of fair values for accounting and disclosure purposes to be the accounting areas that require the most subjective and complex judgments, and as such, could be the most subject to revision as new information becomes available.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company is subject to the regulations of various governmental agencies.&#160; The Company also undergoes periodic examinations by the regulatory agencies which may subject it to further changes with respect to asset valuations, amounts of required loss allowances, and operating restrictions resulting from the regulators' judgments based on information available to them at the time of their examinations.</div></div> -115000 4190000 4191000 4124000 4105000 P10Y 244424.5 138982.5 9400000 3 5000000 P60D P60D P90D P90D P6M P6M P6M P6M P3M 172000 9870000 0.0648 5155000 P5Y <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">At December 31, 2016, scheduled repayments of the subordinated loans:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2017</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2018</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2019</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2020</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2021</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Thereafter</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,025</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 88%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,025</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The composition of subordinated loans at December 31 is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Subordinated loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Junior subordinated debenture</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,155</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,155</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Subordinated loan</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,870</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">9,836</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 20pt;">Total subordinated loans</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">15,025</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,991</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> 0 5209000 0 4932000 5209000 4932000 0 0 14718000 14718000 14081000 14081000 0 57349000 0 57349000 35213000 35213000 P3Y P65Y P24M 10 P24M 0.8 0.8 3 3 0.5 0.5 2 2 60 70 70 60 0.1 0.1 P20Y P5Y P5Y P20Y P20Y P20Y 143400 0.07 0.05 0.08 0.06 0.03 0.50 0.1 318000 318000 0.025 42000 0.1 4 3 3 P30Y P30Y P30Y 366000 2126000 4834000 93000 3000 1055000 1023000 4425000 0 347000 0 511000 322000 2435000 536000 0 1000 291000 0 150000 35000 54000 0 321000 50000 0 70000 283000 25000 26000 0 0 0 16000 31000 97000 106000 0 45000 49000 193000 0 5000 0 960000 2000 760000 553000 0 5000 0 0 0 0 0 0 1130000 0 117000 455000 P14Y -66000 1074000 -69000 1298000 0.1 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In addition to deposits obtained from its business operations within its target market areas, the Bank also obtains brokered deposits through various programs administered by Promontory Interfinancial Network.</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="22" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">At December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="10" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Non-Brokered</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Brokered</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Non-Brokered</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Brokered</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Savings accounts</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">80,139</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">80,139</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">73,540</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">73,540</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Time accounts</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">89,200</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">42,807</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">132,007</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">78,234</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">33,016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">111,250</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Time accounts of $250,000 or more</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">57,349</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">57,349</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">35,213</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">35,213</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Money management accounts</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,718</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,718</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">MMDA accounts</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">105,755</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">86,937</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">192,692</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">99,187</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">47,675</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">146,862</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Demand deposit interest-bearing</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53,587</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53,587</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">42,758</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">42,758</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Demand deposit noninterest-bearing</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">75,282</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">75,282</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">61,679</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">61,679</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 28%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Mortgage escrow funds</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,209</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,209</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,932</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,932</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 28%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total Deposits</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">481,239</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">129,744</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">610,983</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">409,624</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">80,691</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">490,315</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">A summary of deposits at December 31 is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Savings accounts</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">80,139</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">73,540</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Time accounts</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">132,007</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">111,250</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Time accounts of $250,000 or more</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">57,349</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">35,213</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Money management accounts</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,718</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,081</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">MMDA accounts</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">192,692</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">146,862</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Demand deposit interest-bearing</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">53,587</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">42,758</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Demand deposit noninterest-bearing</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">75,282</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">61,679</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Mortgage escrow funds</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,209</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,932</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total Deposits</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">610,983</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">490,315</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">At December 31, 2016, the scheduled maturities of time deposits are as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Year of Maturity:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2017</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">119,945</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2018</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">38,693</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2019</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,774</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2020</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14,313</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">2021</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,770</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 88%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Thereafter</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,861</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 88%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">189,356</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> 1336000 1605000 0 0 145000 211000 848000 -117000 417000 310000 0.03 0.02 66000 184000 0 1229000 0 37000 0 0 328000 316000 314000 113000 323000 38000 176000 0 0 5.75 6.21 37000 35000 0.1428 0.2 0.2 0.2 0.2 0.2 0.1428 0.2 0.2 2 2 2 4 9 9 3 2 9 3 13 3 1 2 26000 2000 0 0 P10Y P10Y P10Y P10Y P10Y P10Y 1 1 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following summarizes mortgage servicing rights capitalized and amortized:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Mortgage servicing rights capitalized</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Mortgage servicing rights amortized</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">12</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">14</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr></table></div> 0 0 0 0 33000 18000 18000 33000 0 0 0 0 0 0 0 0 1755000 1754000 0 1000 0 0 0 0 293000 0 0 0 0 0 0 0 0 0 89000 0 180000 113000 180000 269000 131000 316000 126000 52000 P3M 2 7 1 1500000 3 3073000 2520000 P30D 53000 59000 65000 54000 82000 P6M -85000 -3072000 1227000 34000 400000 -1090000 -774000 11000 0 1007000 1229000 -27000 0 300000 0.1 34000 0.266 -654000 -464000 310000 436000 3900000 13200000 26965000 31684000 62038000 66003000 51182000 36443000 0.05 0.07 0.105 0.085 1000 0.045 0.045 21935000 18668000 0.065 0.065 644000 0.1495 0.1354 41433000 34121000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">The allocation of the allowance for loan losses summarized on the basis of the Company's calculation methodology was as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td colspan="20" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">1-4 family</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">first-lien</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Other</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">residential</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">mortgage</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Construction</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">real estate</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">lines of credit</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and industrial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Specifically reserved</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">117</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">455</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">553</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Historical loss rate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">106</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">45</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">31</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">50</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Qualitative factors</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">536</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,435</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">366</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,055</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">759</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,935</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">397</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,658</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Home equity</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Other</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Tax exempt</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and junior liens</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">consumer</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unallocated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Specifically reserved</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,130</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Historical loss rate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">35</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">16</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">283</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Qualitative factors</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">291</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">150</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,834</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">331</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">166</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,247</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table><div>&#160;</div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td colspan="20" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: center;">December 31, 2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">1-4 family</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">first-lien</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Other</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">residential</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">commercial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">mortgage</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Construction</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">real estate</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">lines of credit</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and industrial</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Specifically reserved</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">760</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">193</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Historical loss rate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">70</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">97</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">49</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">54</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Qualitative factors</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">511</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,126</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">347</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,023</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">581</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,983</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">401</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,270</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Home equity</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Other</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Tax exempt</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">and junior liens</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">consumer</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Unallocated</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Total</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Specifically reserved</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">960</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Historical loss rate</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">26</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">25</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">321</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 40%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Qualitative factors</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">322</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">93</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: right; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,425</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; width: 40%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">&#160;&#160;&#160;Total</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">350</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">118</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: right; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5,706</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 4px; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> 3023000 6682000 42124000 31204000 63704000 1 1 0 0 26 1 16 0 3 5 2 1 4 0 526000 439000 1396000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 1 4 3 26 0 0 0 2 16 5 43613000 6397000 9800000 6700000 P12M 7 5 6577000 62524000 40986000 140653000 30566000 1467000 2927000 96400000 89700000 -17000 -17000 33200000 25200000 6386000 17800000 12900000 43865000 0.0255 0.0116 0.0256 0.0078 0.0104 3300000 140300000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Company is required to disclose the carrying amount of foreclosed residential real estate properties held as a result of obtaining physical possession of the property at each reporting period.</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">December 31,</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">(Dollars in thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of properties</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">Number of properties</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: middle; width: 52%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Foreclosed residential real estate</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">393</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">182</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> 52000 40000 20900000 17000000 0.81 0.78 -27000 -82000 0 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following table presents the cash basis interest income recognized on impaired loans for the years ended December 31:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">64</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">17</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Commercial real estate</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">161</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">92</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Commercial lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">29</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">13</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">304</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">138</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The following table presents the average recorded investment in impaired loans for the years ended December 31:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic; text-align: left;">(In thousands)</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2016</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: right;">2015</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">1-4 family first-lien residential mortgages</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">777</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">671</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Commercial real estate</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,325</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4,742</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Commercial lines of credit</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">479</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">520</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other commercial and industrial</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">724</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">803</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Home equity and junior liens</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">325</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">305</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 76%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left; text-indent: 10pt;">Other consumer</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 76%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: left;">Total</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,632</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">7,048</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td></tr></table></div> 455000 553000 760000 5000 0 193000 0 5000 117000 2000 0 0 0 0 0 0 0 0 0 0 0 0 100000 300000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">NOTE 16:&#160; EMPLOYEE STOCK OWNERSHIP PLAN</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Bank established the Pathfinder Bank Employee Stock Ownership Plan ("Plan") to purchase stock of the Company for the benefit of its employees.&#160; In July 2011, the Plan received a $1.1 million loan from Community Bank, N.A., guaranteed by the Company, to fund the Plan's purchase of 125,000 shares of the Company's treasury stock.&#160; The loan was being repaid in equal quarterly installments of principal plus interest over ten years beginning October 1, 2011.&#160; Interest accrued at the Wall Street Journal Prime Rate plus 1.00%, and was secured by the unallocated shares of the ESOP stock.&#160; This loan was refinanced in connection with the Conversion and Offering that occurred on October 16, 2014.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In connection with the Conversion and Offering, the ESOP purchased 105,442 shares issued in the offering by obtaining a loan from the Company which was used to purchase both the additional shares and refinance the remaining outstanding balance on the loan from Community Bank N.A.&#160; There were 138,982.5 shares associated with the refinanced loan resulting in a total of 244,424.5 shares associated with the new loan provided by the Company.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The ESOP loan from the Company has a ten year term and is being repaid in equal payments of principal and interest under a fixed rate of interest equal to 3.25% which was the prime rate of interest on the date of the closing of the offering.&#160; This ESOP loan from the Company, also referred to as an internally leveraged ESOP, does not appear as a liability on the Company's consolidated statement of condition as of December 31, 2016 in accordance with ASC 718-40-25-9d.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In accordance with the payment of principal on the loan, a proportionate number of shares are allocated to the employees over the ten year time horizon of the loan.&#160; Participants' vesting interest in the shares of Company stock is at the rate of 20% per year. Compensation expense is recorded based on the number of shares released to the participants times the average market value of the Company's stock over that same period.&#160; Dividends on unallocated shares, recorded as compensation expense on the income statement, are made available to the participants' account. The Company recorded $333,000 and $305,000 in compensation expense in 2016 and 2015, respectively, including $40,000 and $36,000 for dividends on unallocated shares in these same time periods.&#160; At December 31, 2016, there were 189,429 unearned ESOP shares with a fair value of $2.6 million.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Federal Home Loan Bank Stock</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Federal law requires a member institution of the Federal Home Loan Bank ("FHLB") system to hold stock of its district FHLB according to a predetermined formula.&#160; The stock is carried at cost.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Income Recognition on Impaired and Nonaccrual Loans</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">For all classes of loans receivable, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing.&#160; A loan may remain on accrual status if it is either well secured or guaranteed and in the process of collection.&#160; When a loan is placed on nonaccrual status, unpaid interest is reversed and charged to interest income.&#160; Interest received on nonaccrual loans, including impaired loans, generally is either applied against principal or reported as interest income, according to management's judgment as to the collectability of principal.&#160; Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time, generally six months, and the ultimate collectability of the total contractual principal and interest is no longer in doubt.&#160; Nonaccrual troubled debt restructurings are restored to accrual status if principal and interest payments, under the modified terms, are current for six consecutive months after modification.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">For nonaccrual loans, when future collectability of the recorded loan balance is expected, interest income may be recognized on a cash basis. In the case where a nonaccrual loan had been partially charged off, recognition of interest on a cash basis is limited to that which would have been recognized on the recorded loan balance at the contractual interest rate. Cash interest receipts in excess of that amount are recorded as recoveries to the allowance for loan losses until prior charge-offs have been fully recovered.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: justify;">Noncontrolling Interest</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Noncontrolling interest represents the portion of ownership and profit or loss that is attributable to the minority owners of the FitzGibbons Agency.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-weight: bold;">Mortgage Servicing Rights</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">Originated mortgage servicing rights are recorded at their fair value at the time of transfer of the related loans and are amortized in proportion to, and over the period of, estimated net servicing income or loss.&#160; The carrying value of the originated mortgage servicing rights is periodically evaluated for impairment or between annual evaluations under certain circumstances.</div></div> P30Y P1Y 7800000 89400000 0 536000 -16039000 34244000 307000 259000 0 142000 722000 390000 10.00 1.6472 1.6472 1.6472 26400000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold; text-align: left; margin-right: 1.8pt;">NOTE 25:&#160; CONVERSION AND REORGANIZATION</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">On October 16, 2014, the former Pathfinder Bancorp ("former Pathfinder") completed the conversion and reorganization pursuant to which Pathfinder Bancorp, MHC converted to the stock holding company form of organization under a "second step" conversion (the "Conversion"), and the Bank reorganized from the two-tier mutual holding company structure to the stock holding company structure.&#160;&#160;Prior to the completion of the Conversion, the MHC owned approximately 60.4% of the common stock of the Company.&#160; The Company, the new stock holding company for Pathfinder Bank, sold 2,636,053 shares of common stock at $10.00 per share, for gross offering proceeds of $26.4 million in its stock offering.&#160; In addition, $197,000 in cash was received by the Company from the MHC upon it ceasing to exist.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">Concurrent with the completion of the offering, shares of common stock of the Company owned by the public were exchanged for shares of the Company's common stock so that the shareholders now own approximately the same percentage of the Company's common stock as they owned of the former Pathfinder's common stock immediately prior to the Conversion.&#160;&#160;Shareholders of the former Pathfinder received 1.6472 shares of the Company's common stock for each share of the former Pathfinder's common stock that they owned immediately prior to completion of the transaction.&#160;&#160;&#160; As a result of the offering and the exchange of shares, the Company had 4,353,850 shares outstanding at December 31, 2014.&#160; The Company has 4,353,850 and 4,236,744 shares outstanding at December 31, 2015 and December 31, 2016, respectively.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">The Conversion was accounted for as a change in corporate form with no resulting change in the historical basis of the Company's assets, liabilities, and equity.&#160; Costs related to the offering were primarily marketing fees paid to the Company's investment banking firm, legal and professional fees, registration fees, printing and mailing costs and totaled $1.5 million.&#160; Accordingly, net proceeds were $24.9 million.&#160; In addition, as part of the Conversion and dissolution of the MHC, the Company received $197,000 of cash previously held by the MHC.&#160; As a result of the Conversion and Offering, Pathfinder Bancorp, Inc., a federal corporation, was succeeded by a new fully public Maryland corporation with the same name and the MHC ceased to exist.</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify; margin-right: 1.8pt;">The shares of common stock sold in the offering and issued began trading on the NASDAQ Capital Market on October 17, 2014 under the trading symbol "PBHC."</div><div><br /></div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">In accordance with Board of Governors of the Federal Reserve System regulations, at the time of the reorganization, the Company substantially restricted retained earnings by establishing a liquidation account.&#160;&#160;The liquidation account will be maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion.&#160;&#160;The Bank will establish a parallel liquidation account to support the Company's liquidation account in the event the Company does not have sufficient assets to fund its obligations under its liquidation account.&#160;&#160;The liquidation accounts will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits.&#160;&#160;Subsequent increases will not restore an eligible account holder's interest in the liquidation accounts.&#160;&#160;In the event of a complete liquidation of the Bank or the Company, each account holder will be entitled to receive a distribution in an amount proportionate to the adjusted qualifying account balances then held.</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">&#160;</div><div style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; text-align: justify;">The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.</div></div> 0 85000 0 85000 1110000 548000 -3271000 -4016000 -382000 -744000 -40000 34000 14310000 14027000 14991000 15025000 199000 199000 75000 75000 2532000 2532000 2053000 2053000 146158000 189356000 189197000 146462000 313000 676000 46000 0 579000 220000 220000 456000 456000 313000 638000 638000 0 0 626000 0 0 626000 6664000 0 0 6664000 15195000 0 0 18128000 0 18128000 15195000 0 0 0 1070000 0 1070000 4049000 0 4049000 0 0 393000 360000 393000 360000 0 0 0 583000 0 0 0 583000 0 0 32573000 0 30566000 32573000 0 0 0 30566000 6577000 0 0 0 0 0 0 6577000 40986000 0 40986000 16833000 0 0 0 16833000 0 16481000 0 16481000 8300000 8300000 0 0 0 21308000 24184000 0 0 24184000 0 21308000 130000 313000 This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Value Index. This category currently includes equal investments in three mutual funds, two of which usually hold at least 80% of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that index. The third fund targets investments of 50% or more in mortgage-backed securities guaranteed by the US government and its agencies. This fund tracks the performance of the S&P 500 index by purchasing the securities represented in the index in approximately the same weightings as the index. This category consists of an index fund designed to track the Russell 2000, along with a fund investing in readily marketable securities of U.S. companies with market capitalizations within the smallest 10% of the market universe, or smaller than the 1000th largest US company. This category seeks to track the performance of the S&P Midcap 400 Index. This category consists of a selection of investments based on the Russell 2000 Value Index. This category consists mostly of a fund which seeks to track the Barclays Capital US Corporate A or Better 5-20 Year, Bullets only Index, along with a diversified mutual fund holding fixed income securities rated A or better. Includes cash equivalents investments in equity and fixed income strategies This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Growth Index. This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks. This category has investments in medium to large non-US companies, including high quality, durable growth companies and companies based in countries with stable economic and political systems. A portion of this category consists of an index fund designed to track the MSC ACWI ex-US Net Dividend Return Index. This category seeks long-term capital appreciation by investing primarily in large growth companies based in the U.S. This category consists of a fund that seeks to approximate the performance of the Barclays Capital US Corporate A or Better, 20+ Year Bullets Only Index over the long term. This category currently invests in three long/short equity hedge funds. This category consists of a selection of investments based on the Russell 2000 Growth Index. Amounts in parentheses indicates debits in net income. These items are included in net periodic pension cost. The accretion of the unrealized holding losses in accumulated other comprehensive loss at the date of transfer at September 30, 2013 partially offsets the amortization of the difference between the par value and the fair value of the investment securities at the date of transfer, and is an adjustment of yield. EX-101.SCH 6 pbhc-20161231.xsd XBRL TAXONOMY EXTENSION SCHEMA 000100 - Document - Document and Entity Information link:presentationLink link:calculationLink link:definitionLink 010000 - Statement - Consolidated Statements of Condition link:presentationLink link:calculationLink link:definitionLink 010100 - Statement - Consolidated Statements of Condition (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 020000 - Statement - Consolidated Statements of Income link:presentationLink link:calculationLink link:definitionLink 030000 - Statement - Consolidated Statements of Comprehensive Income link:presentationLink link:calculationLink link:definitionLink 040000 - Statement - Consolidated Statements of Changes in Shareholder's Equity link:presentationLink link:calculationLink link:definitionLink 040100 - Statement - Consolidated Statements of Changes in Shareholder's Equity (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 050000 - Statement - Consolidated Statements of Cash Flows link:presentationLink link:calculationLink link:definitionLink 060100 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES link:presentationLink link:calculationLink link:definitionLink 060200 - Disclosure - NEW ACCOUNTING PRONOUNCEMENTS link:presentationLink link:calculationLink link:definitionLink 060300 - Disclosure - EARNINGS PER SHARE link:presentationLink link:calculationLink link:definitionLink 060400 - Disclosure - INVESTMENT SECURITIES link:presentationLink link:calculationLink link:definitionLink 060500 - Disclosure - LOANS link:presentationLink link:calculationLink link:definitionLink 060600 - Disclosure - ALLOWANCE FOR LOAN LOSSES link:presentationLink link:calculationLink link:definitionLink 060700 - Disclosure - SERVICING link:presentationLink link:calculationLink link:definitionLink 060800 - Disclosure - PREMISES AND EQUIPMENT link:presentationLink link:calculationLink link:definitionLink 060900 - Disclosure - FORECLOSED REAL ESTATE link:presentationLink link:calculationLink link:definitionLink 061000 - Disclosure - GOODWILL AND INTANGIBLE ASSETS link:presentationLink link:calculationLink link:definitionLink 061100 - Disclosure - DEPOSITS link:presentationLink link:calculationLink link:definitionLink 061200 - Disclosure - BORROWED FUNDS link:presentationLink link:calculationLink link:definitionLink 061300 - Disclosure - SUBORDINATED LOANS link:presentationLink link:calculationLink link:definitionLink 061400 - Disclosure - EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS link:presentationLink link:calculationLink link:definitionLink 061500 - Disclosure - STOCK BASED COMPENSATION PLANS link:presentationLink link:calculationLink link:definitionLink 061600 - Disclosure - EMPLOYEE STOCK OWNERSHIP PLAN link:presentationLink link:calculationLink link:definitionLink 061700 - Disclosure - INCOME TAXES link:presentationLink link:calculationLink link:definitionLink 061800 - Disclosure - COMMITMENTS AND CONTINGENCIES link:presentationLink link:calculationLink link:definitionLink 061900 - Disclosure - DIVIDENDS AND RESTRICTIONS link:presentationLink link:calculationLink link:definitionLink 062000 - Disclosure - REGULATORY MATTERS link:presentationLink link:calculationLink link:definitionLink 062100 - Disclosure - INTEREST RATE DERIVATIVE link:presentationLink link:calculationLink link:definitionLink 062200 - Disclosure - FAIR VALUE MEASUREMENTS AND DISCLOSURES link:presentationLink link:calculationLink link:definitionLink 062300 - Disclosure - PARENT COMPANY - FINANCIAL INFORMATION link:presentationLink link:calculationLink link:definitionLink 062400 - Disclosure - RELATED PARTY TRANSACTIONS link:presentationLink link:calculationLink link:definitionLink 062500 - Disclosure - CONVERSION AND REORGANIZATION link:presentationLink link:calculationLink link:definitionLink 062600 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) link:presentationLink link:calculationLink link:definitionLink 070100 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies) link:presentationLink link:calculationLink link:definitionLink 080100 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables) link:presentationLink link:calculationLink link:definitionLink 080300 - Disclosure - EARNINGS PER SHARE (Tables) link:presentationLink link:calculationLink link:definitionLink 080400 - Disclosure - INVESTMENT SECURITIES (Tables) link:presentationLink link:calculationLink link:definitionLink 080500 - Disclosure - LOANS (Tables) link:presentationLink link:calculationLink link:definitionLink 080600 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Tables) link:presentationLink link:calculationLink link:definitionLink 080700 - Disclosure - SERVICING (Tables) link:presentationLink link:calculationLink link:definitionLink 080800 - Disclosure - PREMISES AND EQUIPMENT (Tables) link:presentationLink link:calculationLink link:definitionLink 080900 - Disclosure - FORECLOSED REAL ESTATE (Tables) link:presentationLink link:calculationLink link:definitionLink 081000 - Disclosure - GOODWILL AND INTANGIBLE ASSETS (Tables) link:presentationLink link:calculationLink link:definitionLink 081100 - Disclosure - DEPOSITS (Tables) link:presentationLink link:calculationLink link:definitionLink 081200 - Disclosure - BORROWED FUNDS (Tables) link:presentationLink link:calculationLink link:definitionLink 081300 - Disclosure - SUBORDINATED LOANS (Tables) link:presentationLink link:calculationLink link:definitionLink 081400 - Disclosure - EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS (Tables) link:presentationLink link:calculationLink link:definitionLink 081500 - Disclosure - STOCK BASED COMPENSATION PLANS (Tables) link:presentationLink link:calculationLink link:definitionLink 081700 - Disclosure - INCOME TAXES (Tables) link:presentationLink link:calculationLink link:definitionLink 081800 - Disclosure - COMMITMENTS AND CONTINGENCIES (Tables) link:presentationLink link:calculationLink link:definitionLink 082000 - Disclosure - REGULATORY MATTERS (Tables) link:presentationLink link:calculationLink link:definitionLink 082100 - Disclosure - INTEREST RATE DERIVATIVE (Tables) link:presentationLink link:calculationLink link:definitionLink 082200 - Disclosure - FAIR VALUE MEASUREMENTS AND DISCLOSURES (Tables) link:presentationLink link:calculationLink link:definitionLink 082300 - Disclosure - PARENT COMPANY - FINANCIAL INFORMATION (Tables) link:presentationLink link:calculationLink link:definitionLink 082400 - Disclosure - RELATED PARTY TRANSACTIONS (Tables) link:presentationLink link:calculationLink link:definitionLink 082600 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables) link:presentationLink link:calculationLink link:definitionLink 090100 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) link:presentationLink link:calculationLink link:definitionLink 090300 - Disclosure - EARNINGS PER SHARE (Details) link:presentationLink link:calculationLink link:definitionLink 090400 - Disclosure - INVESTMENT SECURITIES (Details) link:presentationLink link:calculationLink link:definitionLink 090402 - Disclosure - INVESTMENT SECURITIES (Details) Calc 3 link:presentationLink link:calculationLink link:definitionLink 090500 - Disclosure - LOANS (Details) link:presentationLink link:calculationLink link:definitionLink 090502 - Disclosure - LOANS, CREDIT QUALITY INDICATOR (Details) link:presentationLink link:calculationLink link:definitionLink 090504 - Disclosure - LOANS, NON-ACCRUAL AND PAST DUE LOANS (Details) link:presentationLink link:calculationLink link:definitionLink 090506 - Disclosure - LOANS, IMPAIRED LOANS (Details) link:presentationLink link:calculationLink link:definitionLink 090600 - Disclosure - LOANS, CHANGE IN ALLOWANCE FOR LOAN LOSSES (Details) link:presentationLink link:calculationLink link:definitionLink 090602 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES, BASIS OF CALCULATION METHODOLOGY (Details) link:presentationLink link:calculationLink link:definitionLink 090700 - Disclosure - SERVICING (Details) link:presentationLink link:calculationLink link:definitionLink 090800 - Disclosure - PREMISES AND EQUIPMENT (Details) link:presentationLink link:calculationLink link:definitionLink 090900 - Disclosure - FORECLOSED REAL ESTATE (Details) link:presentationLink link:calculationLink link:definitionLink 091000 - Disclosure - GOODWILL AND INTANGIBLE ASSETS (Details) link:presentationLink link:calculationLink link:definitionLink 091004 - Disclosure - GOODWILL AND INTANGIBLE ASSETS (Details) Calc 3 link:presentationLink link:calculationLink link:definitionLink 091100 - Disclosure - DEPOSITS (Details) link:presentationLink link:calculationLink link:definitionLink 091200 - Disclosure - BORROWED FUNDS (Details) link:presentationLink link:calculationLink link:definitionLink 091202 - Disclosure - BORROWED FUNDS, LINES OF CREDIT (Details) link:presentationLink link:calculationLink link:definitionLink 091300 - Disclosure - SUBORDINATED LOANS (Details) link:presentationLink link:calculationLink link:definitionLink 091302 - Disclosure - SUBORDINATED LOANS (Details) Calc 2 link:presentationLink link:calculationLink link:definitionLink 091400 - Disclosure - EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Changes in the Plans' Benefit Obligations, Fair Value of Plan Assets and the Plans' Funded Status (Details) link:presentationLink link:calculationLink link:definitionLink 091402 - Disclosure - EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Benefit Obligation and Net Periodic Cost Assumptions, and Net Periodic Benefit Plan Cost (Details) link:presentationLink link:calculationLink link:definitionLink 091404 - Disclosure - EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Pension Plan Assets Fair Value (Details) link:presentationLink link:calculationLink link:definitionLink 091406 - Disclosure - EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Expected Benefit Payments (Details) link:presentationLink link:calculationLink link:definitionLink 091408 - Disclosure - EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Other Plans (Details) link:presentationLink link:calculationLink link:definitionLink 091500 - Disclosure - STOCK BASED COMPENSATION PLANS (Details) link:presentationLink link:calculationLink link:definitionLink 091600 - Disclosure - EMPLOYEE STOCK OWNERSHIP PLAN (Details) link:presentationLink link:calculationLink link:definitionLink 091700 - Disclosure - INCOME TAXES (Details) link:presentationLink link:calculationLink link:definitionLink 091702 - Disclosure - INCOME TAXES (Details) Calc 2 link:presentationLink link:calculationLink link:definitionLink 091800 - Disclosure - COMMITMENTS AND CONTINGENCIES (Details) link:presentationLink link:calculationLink link:definitionLink 091900 - Disclosure - DIVIDENDS AND RESTRICTIONS (Details) link:presentationLink link:calculationLink link:definitionLink 092000 - Disclosure - REGULATORY MATTERS (Details) link:presentationLink link:calculationLink link:definitionLink 092100 - Disclosure - INTEREST RATE DERIVATIVE (Details) link:presentationLink link:calculationLink link:definitionLink 092200 - Disclosure - FAIR VALUE MEASUREMENTS AND DISCLOSURES (Details) link:presentationLink link:calculationLink link:definitionLink 092202 - Disclosure - FAIR VALUE MEASUREMENTS AND DISCLOSURES, FAIR VALUE INPUTS, QUANTITATIVE INFORMATION (Details) link:presentationLink link:calculationLink link:definitionLink 092204 - Disclosure - FAIR VALUE MEASUREMENTS AND DISCLOSURES, FAIR VALUE MEASUREMENTS BY BALANCE SHEET GROUPING (Details) link:presentationLink link:calculationLink link:definitionLink 092300 - Disclosure - PARENT COMPANY - FINANCIAL INFORMATION (Details) link:presentationLink link:calculationLink link:definitionLink 092400 - Disclosure - RELATED PARTY TRANSACTIONS (Details) link:presentationLink link:calculationLink link:definitionLink 092500 - Disclosure - CONVERSION AND REORGANIZATION (Details) link:presentationLink link:calculationLink link:definitionLink 092600 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Details) link:presentationLink link:calculationLink link:definitionLink 092602 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS), Reclassification out of AOCI (Details) link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 7 pbhc-20161231_cal.xml XBRL TAXONOMY EXTENSION CALCULATION LINKBASE EX-101.DEF 8 pbhc-20161231_def.xml XBRL TAXONOMY EXTENSION DEFINITION LINKBASE EX-101.LAB 9 pbhc-20161231_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE Amendment Flag Current Fiscal Year End Date Document Period End Date Entity [Domain] Entity Well-known Seasoned Issuer Entity Voluntary Filers Entity Current Reporting Status Entity Filer Category Entity Public Float Entity Registrant Name Entity Central Index Key Entity Common Stock, Shares Outstanding Document Fiscal Year Focus Document Fiscal Period Focus Legal Entity [Axis] Document Type Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward] AOCI Attributable to Parent, Net of Tax [Roll Forward] Award Type [Axis] Number of securities in unrealized loss positions Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions Number of securities in unrealized loss positions, twelve months or more SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract] Accounts, Notes, Loans and Financing Receivable [Line Items] Accounts, Notes, Loans and Financing Receivable [Line Items] Accrued liabilities Accumulated Other Comprehensive Income (Loss) [Table] Accumulated Other Comprehensive Income (Loss) [Line Items] Less: Accumulated depreciation Unrealized Gains and Losses on Financial Derivative [Member] Retirement Plans [Member] Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member] Net unrealized loss on available-for-sale securities Accumulated Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract] Accumulated Other Comprehensive Loss [Member] Accumulated other comprehensive income after tax Net unrealized loss for pension and other postretirement obligations Accumulated Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net of Tax Net unrealized loss on financial derivative instruments used in cash flow hedging relationships Accumulated Other Comprehensive Income (Loss), Cumulative Changes in Net Gain (Loss) from Cash Flow Hedges, Effect Net of Tax Accumulated other comprehensive loss Accumulated other comprehensive loss Addition due to Huntington agency purchase Future weighted amortization period of intangible asset Additional paid in capital Additional Paid in Capital [Member] Adjustments to reconcile net income to net cash flows from operating activities: Stock based compensation Adjustments to Additional Paid in Capital, Share-based Compensation, Requisite Service Period Recognition Total advances with FHLB Advances from Federal Home Loan Banks Advertising Advertising Advertising Costs, Policy [Policy Text Block] Changes in the Allowance for Loan Losses Allowance for Credit Losses on Financing Receivables [Table Text Block] ALLOWANCE FOR LOAN LOSSES Allowance for Credit Losses [Text Block] Amortization of deferred financing from subordinated loan Amortization of deferred financing from subordinated loan Amortization of Debt Issuance Costs and Discounts Amortization of deferred loan costs Amortization of mortgage servicing rights Amortization of intangible assets Net amortization of premiums and discounts on investment securities Retained earnings legally available to pay dividends Amount Available for Dividend Distribution without Affecting Capital Adequacy Requirements Antidilutive Securities [Axis] Anti-dilutive stock options (in shares) Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items] Antidilutive Securities, Name [Domain] Residential Mortgage-Backed - US Agency [Member] Assets, Fair Value Disclosure [Abstract] Total assets Assets Assets [Abstract] ASSETS: Due after five years through ten years Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Amortized Cost Basis Total Fair Value Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value Available-for-sale securities, at fair value Investments Estimated Fair Value Less than twelve months Fair Value Gross Unrealized Gains, Equity investment securities Due after one year through five years Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract] Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract] Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract] Gross Unrealized Gains Twelve months or more Unrealized Losses Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss Due after ten years Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value Twelve months or more Fair Value Due after one year through five years Gross Unrealized Losses, Debt investment securities Available-for-sale Debt Securities, Accumulated Gross Unrealized Loss, before Tax Total Unrealized Losses Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss Gross Unrealized Losses Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax Number of securities in unrealized loss positions, less than twelve months Available-for-sale securities, debt maturities, amortized cost [Abstract] Due after ten years Available-for-sale Securities, Debt Maturities, after Ten Years, Amortized Cost Basis Gross Unrealized Losses, Equity investment securities Available-for-sale Equity Securities, Accumulated Gross Unrealized Loss, before Tax Amortized cost, equity securities Available-for-sale Equity Securities, Amortized Cost Basis Total investment securities, amortized cost basis Available-for-sale Securities, Amortized Cost Basis Due after five years through ten years Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value Gross Unrealized Gains, Debt investment securities Available-for-sale Debt Securities, Accumulated Gross Unrealized Gain, before Tax Less than twelve months Unrealized Losses Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss Totals, amortized cost Available-for-sale Debt Securities, Amortized Cost Basis Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract] Available-for-sale Securities, Debt investment securities Due in one year or less Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value Available-for-sale securities, debt maturities, Estimated Fair Value [Abstract] Available-for-sale Securities, Equity investment securities Due in one year or less Available-for-sale Securities, Debt Maturities, Next Twelve Months, Amortized Cost Basis Available-for-sale investment securities Realized gains on available-for-sale investment securities Available-for-sale Securities, Gross Realized Gains (Losses), Sale Proceeds Realized gains on available-for sale investment securities Balance Sheet Location [Axis] Balance Sheet Location [Domain] Bank owned life insurance Earnings and gain on bank owned life insurance Buildings [Member] Premises [Member] Business Acquisition [Axis] Business Acquisition, Acquiree [Domain] Business Acquisition [Line Items] Total core capital (to risk-weighted assets) Capital Total core capital (to risk-weighted assets) Capital Required for Capital Adequacy to Risk Weighted Assets Total core capital (to risk-weighted assets) Capital to Risk Weighted Assets Total core capital (to risk-weighted assets) Capital Required for Capital Adequacy Total core capital (to risk-weighted assets) Capital Required to be Well Capitalized Total core capital (to risk-weighted assets) Capital Required to be Well Capitalized to Risk Weighted Assets Carrying Amounts [Member] Reported Value Measurement [Member] Cash and cash equivalents at beginning of period Cash and cash equivalents at end of period Cash and cash equivalents at end of period Total cash and cash equivalents Cash received from acquisition Cash Acquired from Acquisition Cash and Cash Equivalents Cash Equivalents [Member] Cash Cash and due from banks Change in cash and cash equivalents Cash and Cash Equivalents, Period Increase (Decrease) Cash and cash equivalents Cash and Cash Equivalents, Fair Value Disclosure Cash and Cash Equivalents [Abstract] Cash surrender value of life insurance Cash Surrender Value of Life Insurance Chief Executive Officer [Member] Retired CEO [Member] Class of Stock [Line Items] Class of Stock [Domain] Collateralized Mortgage Obligations - US Agency [Member] Commercial Loans [Member] Commercial Portfolio Segment [Member] Commercial Real Estate Loans [Member] COMMITMENTS AND CONTINGENCIES Commitments and Contingencies Disclosure [Text Block] Commitments to Grant Loans [Member] COMMITMENTS AND CONTINGENCIES [Abstract] Dividends per common share (in dollars per share) Common stock dividends declared (in dollars per share) Common Stock - Financial Services Industry [Member] Common Stock [Member] Company Common Stock [Member] Common stock, shares authorized (in shares) Common stock, par value $0.01; 25,000,000 authorized shares; 4,236,744 and 4,353,850 shares outstanding, respectively Common stock, par value (in dollars per share) Common stock, share outstanding (in shares) Common stock, shares outstanding (in shares) EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS [Abstract] Components of Net Deferred Tax Asset [Abstract] Liabilities [Abstract] ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) Comprehensive income attributable to Pathfinder Bancorp, Inc. Comprehensive Income (Loss), Net of Tax, Attributable to Parent Comprehensive income attributable to noncontrolling interest Comprehensive Income (Loss), Net of Tax, Attributable to Noncontrolling Interest Comprehensive income Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest Comprehensive Income (Loss) Comprehensive Income, Policy [Policy Text Block] Significant Group Concentrations of Credit Risk PARENT COMPANY - FINANCIAL INFORMATION Condensed Financial Statements, Captions [Line Items] PARENT COMPANY - FINANCIAL INFORMATION [Abstract] Nature of Operations Construction [Member] Construction Loans [Member] Construction in Progress [Member] Consumer Loans [Member] Consumer Portfolio Segment [Member] Contractual obligation Conversion of Stock [Line Items] Conversion of Stock [Table] Corporate [Member] Appraisal Collateral - Cost to Sell approach [Member] Cost Approach Valuation Technique [Member] Credit Facility [Axis] Credit Facility [Domain] Current Doubtful [Member] Designated as Hedging Instrument [Member] Debt Instrument [Line Items] Debt Security [Axis] Debt Security [Axis] BORROWED FUNDS BORROWED FUNDS [Abstract] Variable rate basis Debt Instrument, Description of Variable Rate Basis Term of debt Schedule of Long-term Debt Instruments [Table] Basis spread on variable rate due within 21 years Basis spread on variable rate Interest rate Debt Instrument, Interest Rate During Period Floating rate trust preferred debenture face amount Subordinated loan face value Subordinated loan face value Subordinated loan interest rate Fixed interest rate Borrowings Maturity date Effective interest rate Debt Securities [Member] Debt Securities [Member] Prepaid expenses and transaction fees Deferred Tax Liabilities, Prepaid Expenses Deferred compensation expense Deferred Compensation Arrangement with Individual, Excluding Share-based Payments and Postretirement Benefits [Line Items] Maximum contractual term Deferred Compensation Arrangement with Individual, Maximum Contractual Term Requisite service period Deferred Compensation Arrangement with Individual, Requisite Service Period Net deferred tax (liability) Deferred Income Tax Liabilities, Net Investment securities and financial derivative Deferred Tax Liabilities, Investments Liability related to deferred compensation Deferred Compensation Arrangements [Abstract] Deferred fees hedging Debt Issuance Costs, Net Deferred income tax (benefit) expense Deferred Total Deferred Tax Liabilities, Gross Capital loss carryforward Total Deferred Tax Assets, Gross Net deferred tax asset Deferred Tax Assets, Net Assets [Abstract] Deferred Tax Assets, Gross [Abstract] Impairment losses on investment securities Postretirement benefits Allowance for loan losses Deferred compensation Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits, Employee Compensation Other Intangible assets Deferred Tax Liabilities, Goodwill and Intangible Assets Mortgage servicing rights Deferred Tax Liabilities, Mortgage Servicing Rights Depreciation Deferred Tax Liabilities, Property, Plant and Equipment Less: deferred tax asset valuation allowance Deferred Tax Assets, Valuation Allowance Defined Benefit Plans and Other Postretirement Benefit Plans Disclosures [Table] 2017 Defined Benefit Plan, Expected Future Benefit Payments, Next Twelve Months Target plan asset allocations - well-funded Assumed Health Care Cost Trend Rates [Abstract] 2019 Defined Benefit Plan, Expected Future Benefit Payments, Year Three Weighted average discount rate Estimated future employer contributions in next fiscal year 2018 Defined Benefit Plan, Expected Future Benefit Payments, Year Two Amounts that will be amortized from accumulated other comprehensive income (loss) in next fiscal year Amortization of net losses/(gains) Defined Benefit Plan, Amortization of Gains (Losses) Rate of increase in future compensation levels Actual return on plan assets Years 2022-2026 Defined Benefit Plan, Expected Future Benefit Payments, Five Fiscal Years Thereafter Actuarial gain Defined Benefit Plan, Actuarial Gain (Loss) Net loss/(gain) Pension and Other Postretirement Benefit Plans, Accumulated Other Comprehensive Income (Loss), Net Gains (Losses), before Tax Estimated amortization of the unrecognized transition obligation and actuarial gain in next fiscal year Amortization of unrecognized past service liability Amortization of transition obligation Target Allocations [Abstract] 2021 Defined Benefit Plan, Expected Future Benefit Payments, Year Five Additional safe harbor contribution Defined Contribution Plan, Employer Discretionary Contribution Amount 2020 Defined Benefit Plan, Expected Future Benefit Payments, Year Four Weighted average discount rate Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Discount Rate Defined Benefit Plans and Other Postretirement Benefit Plans [Line Items] Rate of increase in future compensation levels Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Rate of Compensation Increase Expected long term rate of return on plan assets Fair value of plan assets at end of year Fair value of plan assets at beginning of year Fair value of plan assets Defined Benefit Plan, Fair Value of Plan Assets Benefit obligation at beginning of year Benefit obligation at end of year Defined Benefit Plan, Benefit Obligation Expected Benefit Payments [Abstract] Change in Plan Assets [Roll Forward] Expected return on plan assets Defined Benefit Plan, Expected Return on Plan Assets Health care cost trend rate assumption Interest cost Funded status - asset (liability) Employer contributions Benefits paid Defined Benefit Plan, Benefits Paid Change in Benefit Obligation [Roll Forward] Significant Assumptions Used in Determining Benefit Obligations [Abstract] Year that rate reaches ultimate trend rate Net periodic benefit plan (benefit) cost Defined Benefit Plan, Net Periodic Benefit Cost Ultimate health care cost trend rate Defined Benefit Plans and Other Postretirement Benefit Plans [Domain] Defined Benefit Plan, Asset Categories [Axis] Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract] Postretirement Health Care Plan [Member] Employer contribution to 401 (k) plan Defined Contribution Plan, Cost Recognized 401 (k) Plan [Abstract] Service cost Composition of Net Periodic Benefit Plan Cost [Abstract] Defined Benefit Plans and Other Postretirement Benefit Plans [Axis] Pension Plan Assets Measured at Fair Value [Abstract] Demand deposit interest-bearing DEPOSITS Deposit Liabilities Disclosures [Text Block] Deposits: DEPOSITS [Abstract] Total deposits Deposits MMDA accounts Demand Deposits, Savings, NOW and MMDA Deposits, Fair Value Disclosure Savings accounts Summary of deposits [Abstract] Depreciation Derivative Instrument [Axis] INTEREST RATE DERIVATIVE Derivative [Line Items] Derivative [Table] INTEREST RATE DERIVATIVE [Abstract] Remaining term Derivative, Remaining Maturity Notional amount Derivative Asset, Notional Amount Interest rate swap derivative Fair value of derivative liability Fixed interest rate Derivative, Fixed Interest Rate Amount of gains/losses recognized in other comprehensive income Derivative Instruments, Loss Recognized in Other Comprehensive Income (Loss), Effective Portion Derivative Contract [Domain] Amount of loss reclassified from other comprehensive income and recognized as interest expense Derivatives, Fair Value [Line Items] Derivatives, Fair Value [Line Items] Derivative Financial Instruments NEW ACCOUNTING PRONOUNCEMENTS Number of interest rate swaps Directors [Member] Director [Member] DIVIDENDS AND RESTRICTIONS [Abstract] STOCK BASED COMPENSATION PLANS STOCK BASED COMPENSATION PLANS [Abstract] Dividends Dividend Income, Operating Preferred stock dividends - SBLF Dividends, Preferred Stock Preferred dividends payable amount Dividends [Axis] Dividends [Domain] Common stock dividends declared Dividends, Common Stock Domestic Line of Credit [Member] Basic Earnings Per Common Share [Abstract] Diluted Earnings Per Common Share [Abstract] Earnings Per Share, Diluted [Abstract] Earning Per Share Earnings per common share - basic (in dollars per share) Basic earnings per common share (in dollars per share) Earnings per common share - diluted (in dollars per share) Diluted earnings per common share (in dollar per share) EARNINGS PER SHARE EARNINGS PER SHARE [Abstract] Federal statutory income tax rate Reconciliation of the Federal Statutory Income Tax Rate to the Effective Income Tax Rate [Abstract] State tax, net of federal benefit Tax-exempt interest income Effective Income Tax Rate Reconciliation, Tax Exempt Income, Percent Other Effective Income Tax Rate Reconciliation, Other Adjustments, Percent Change in valuation allowance Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Percent Effective income tax rate Effective tax rate Compensation expense Employee Stock Ownership Plan (ESOP), Compensation Expense Employee Stock Ownership Plan (ESOP) Disclosures [Line Items] Loan Employee Stock Ownership Plan (ESOP) [Axis] Stock Options [Member] Employee Stock Ownership Plan (ESOP), Plan [Domain] Unearned ESOP shares (in shares) Fair value of unearned ESOP shares Dividends on unallocated shares ESOP shares earned (in shares) Equipment [Member] Equipment [Member] Equity Component [Domain] Investment in non-bank subsidiary Percentage owned by holding company Ownership interest Equity Securities [Member] Equities [Member] Total Fair Value [Member] Estimated Fair Values [Member] Estimate of Fair Value Measurement [Member] Executive Officers [Member] Identifiable intangible asset Weight ascribed to comparable companies Total gains realized/unrealized included in earnings Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings Asset Class [Axis] Total gains realized/unrealized included in other comprehensive income Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Other Comprehensive Income (Loss) Fair Value Inputs, Quantitative Information Fair Value Inputs, Assets, Quantitative Information [Table Text Block] Fair Value Inputs, Assets, Quantitative Information [Line Items] Fair Value, Hierarchy [Axis] Fair Value Inputs, Discount Rate Fair Value Inputs, Discount Rate Measurement Frequency [Axis] FAIR VALUE MEASUREMENTS AND DISCLOSURES [Abstract] Fair Value Inputs, Assets, Quantitative Information [Table] Changes in unrealized gains included in earnings related to assets still held Fair Value, Assets Measured on Recurring Basis, Change in Unrealized Gain (Loss) Measurement Basis [Axis] Asset Class [Domain] Nonrecurring [Member] Fair Value Measurements, Recurring and Nonrecurring [Table] Fair Value, Measurement Frequency [Domain] Recurring [Member] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Fair Value Hierarchy [Domain] Settlements FAIR VALUE MEASUREMENTS AND DISCLOSURES Sales Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Sales Fair Value of Assets on Recurring Basis Segregated by Level of Valuation Inputs Fair Value, Assets Measured on Recurring Basis [Table Text Block] Summary of Assets Measured at Fair Value on a Nonrecurring Basis Segregated by Level of Valuation Inputs Fair Value, Assets and Liabilities Measured on Nonrecurring Basis, Valuation Techniques [Table Text Block] Fair Value, Assets and Liabilities Measured on Recurring Basis [Roll Forward] Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward] Fair Value, by Balance Sheet Grouping [Table] Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] Carrying Amounts and Fair Value of Financial Instruments Fair Value, by Balance Sheet Grouping [Table Text Block] Fair Value Measurement [Domain] Changes in Level 3 Assets and Liabilities Measured at Estimated Fair Value on a Recurring Basis Level 3 [Member] Fair Value, Inputs, Level 3 [Member] Level 1 [Member] Fair Value, Inputs, Level 1 [Member] Level 2 [Member] Fair Value, Inputs, Level 2 [Member] Balance at end of period Balance at beginning of period Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items] Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table] FDIC assessments FHLB Advances [Member] Federal Home Loan Bank Advances [Member] Federal Home Loan Bank advances interest rate [Abstract] Advances with FHLB [Abstract] Federal Home Loan Bank stock, at cost Federal Income Tax due within 1 year due within 2 years due within 10 years Other charges, commissions & fees Service charges on deposit accounts Debit card interchange fees Loans Finance, Loan and Lease Receivables, Held-for-investment, Policy [Policy Text Block] Foreclosed Real Estate Finance, Loan and Lease Receivables, Held for Investments, Foreclosed Assets Policy [Policy Text Block] Financial liabilities [Abstract] Financial Instruments, Financial Liabilities, Balance Sheet Groupings [Abstract] Financial assets [Abstract] Financial Instrument [Axis] Recorded Investment, Past Due [Line Items] Ninety days past due and still accruing interest Current Financing Receivable, Recorded Investment, Current Nonaccrual loans, Segregated by class of loans [Abstract] Total Past Due Class of Financing Receivable, Type [Axis] Financing Receivables, Period Past Due [Axis] 90 Days and Over [Member] Recoveries 60-89 Days Past Due And Accruing [Member] Ending balance: related to loans individually evaluated for impairment Financing Receivable, Allowance for Credit Losses [Line Items] Charge-offs Financing Receivable, Allowance for Credit Losses, Write-downs Financing Receivable, Recorded Investment [Line Items] Allowance for loan losses [Roll Forward] Nonaccrual status loans Financing Receivable, Recorded Investment, Nonaccrual Status Financing Receivable Portfolio Segment [Axis] Number of Contracts Number of contracts, TDR payment default Ending balance: collectively evaluated for impairment Pre-modification outstanding recorded investment Financing Receivable, Modifications, Pre-Modification Recorded Investment Summary of Classes of Loan Portfolio Financing Receivable Credit Quality Indicators [Table Text Block] Financing Receivables, Period Past Due [Domain] Financing Receivable, Impaired [Line Items] Financing Receivable, Impaired [Line Items] Post-modification outstanding recorded investment Financing Receivable, Modifications, Post-Modification Recorded Investment Ending balance Total Beginning balance Financing Receivable, Allowance for Credit Losses Number of loans Number of contracts, TDRs Class of Financing Receivable, Type [Domain] Ending balance: related to loans collectively evaluated for impairment Ending balance: individually evaluated for impairment Financing Receivable Portfolio Segment [Domain] 30-59 Days Past Due And Accruing [Member] Thereafter Finite-Lived Intangible Assets, Amortization Expense, after Year Five 2018 Finite-Lived Intangible Assets, Amortization Expense, Year Two Net amortizing intangibles Finite-Lived Intangible Assets, Net Amortization recognized in the year Finite-Lived Intangible Assets, Accumulated Amortization 2017 Finite-Lived Intangible Assets, Amortization Expense, Next Twelve Months Gross carrying amount Estimated useful life Gross carrying amount and accumulated amortization for identifiable intangible asset [Abstract] 2021 Finite-Lived Intangible Assets, Amortization Expense, Year Five Estimated amortization expense for each of the five succeeding years [Abstract] 2020 Finite-Lived Intangible Assets, Amortization Expense, Year Four 2019 Finite-Lived Intangible Assets, Amortization Expense, Year Three Fixed Income Securities [Member] Residential Mortgage-Backed-Private Label [Member] Foreclosed real estate Foreclosed real estate Furniture, Fixtures and Equipment [Member] Total Gain (Loss) on Sale of Investments Gain (Loss) on Sale of Investments [Abstract] Net gains on sales and redemptions of investment securities Recognized gain on the sale of securities Loans Gain (Loss) on Sales of Loans, Net Realized gains on hedging activity Real estate acquired through foreclosure Gains (Losses) on Sales of Other Real Estate Realized losses (gains) on sales, redemptions and calls of: Audits and exams Goodwill and Intangible Assets Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block] Goodwill GOODWILL AND INTANGIBLE ASSETS Goodwill Disclosure [Text Block] Goodwill acquired Goodwill, Acquired During Period GOODWILL AND INTANGIBLE ASSETS [Abstract] Goodwill and Intangible Assets [Abstract] Hedging Designation [Axis] Hedging Designation [Domain] Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract] Due after ten years Held-to-maturity Securities, Debt Maturities, after Ten Years, Net Carrying Amount Due after one year through five years Held-to-maturity Securities, Debt Maturities, after One Through Five Years, Net Carrying Amount Held to maturity, gross unrealized gains Twelve months or more Fair Value Held-to-maturity Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value Held to maturity, gross unrealized losses Held-to-maturity Securities, Accumulated Unrecognized Holding Loss Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract] Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract] Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract] Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract] Due after five years through ten years Held-to-maturity Securities, Debt Maturities, after Five Through Ten Years, Net Carrying Amount Due after ten years Less than twelve months Unrealized Losses Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss Total Unrealized Losses Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss Due after five years through ten years Total Fair Value Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value Held-to-maturity securities, debt maturities, Amortized Cost Held-to-maturity securities, at amortized cost (fair value of $54,429 and $45,515, respectively) Held-to-maturity Securities Twelve months or more Unrealized Losses Held-to-maturity Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss Less than twelve months Fair Value Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value Due after one year through five years Held-to-maturity Securities, Debt Maturities, Year Two Through Five, Fair Value Held-to-maturity Securities, debt maturities, amortized cost [Abstract] Investment securities - held-to-maturity Held-to-maturity Securities, Debt Maturities, Fair Value Held-to-maturity securities, debt maturities, Estimated Fair Value Held-to-maturity securities at fair value Due in one year or less Held-to-maturity Securities, Debt Maturities, within One Year, Net Carrying Amount Due in one year or less Held-to-maturity investment securities Held-to-maturity Securities, Sold Security, Realized Gain (Loss), Excluding Other than Temporary Impairments Summary of Impaired Loans Information by Portfolio Class Impaired Financing Receivables [Table Text Block] Unpaid Principal Balance Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance Cash basis interest recognized on impaired loans [Abstract] Recorded Investment Impaired Financing Receivable, with Related Allowance, Recorded Investment Recorded Investment Unpaid Principal Balance Impaired Financing Receivable, Unpaid Principal Balance Total Impaired Financing Receivable, Average Recorded Investment Related Allowance Impaired Financing Receivable, Related Allowance Recorded Investment Impaired Financing Receivable, Recorded Investment Unpaid Principal Balance Average recorded investment [Abstract] Total Impaired Financing Receivable, Interest Income, Cash Basis Method INCOME TAXES [Abstract] Income before income taxes Loss before taxes and equity in undistributed net income of subsidiaries Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Noncontrolling Interest INCOME TAXES Income Tax Disclosure [Text Block] Provision for income taxes Tax benefit Income tax expense Provision for income taxes Consolidated Statements of Income [Abstract] Statement of Income [Abstract] Income Tax Expense [Abstract] Income Tax Expense by Jurisdiction [Abstract] Income Taxes Income Tax, Policy [Policy Text Block] Income taxes Net change in accrued interest receivable Increase (Decrease) in Accrued Interest Receivable, Net Net change in demand deposits, NOW accounts, savings accounts, money management deposit accounts, MMDA accounts and escrow deposits Net change in time deposits Net change in other assets and liabilities Net change in other assets and liabilities Increase (Decrease) in Other Operating Assets and Liabilities, Net Effect of assumed exercise of stock options (in shares) Data processing Intangible assets, net Intangible Assets, Net (Excluding Goodwill) Interest expense: Expenses [Abstract] Loans, including fees Interest and dividend income: Total interest income Interest and Dividend Income, Operating Total interest expense Interest Interest Expense Debt securities: Accrued interest payable Interest on long-term borrowings Interest on long term borrowings Interest on subordinated loans Interest on short-term borrowings Interest on deposits Net interest income Interest Income (Expense), Net Net interest income after provision for loan losses Interest Income (Expense), after Provision for Loan Loss Taxable Federal funds sold and interest earning deposits Interest Tax-exempt Cash flow hedge [Abstract] Interest Rate Cash Flow Hedge Derivative at Fair Value, Net [Abstract] Interest rate swap derivative Interest Rate Fair Value Hedge Derivative at Fair Value, Net Accrued interest receivable Interest-bearing Interest Rate Swap [Member] Interest earning deposits Internal Credit Assessment [Domain] Internal Credit Assessment [Axis] Internal Credit Assessment [Axis] Investment Securities Investment, Policy [Policy Text Block] Federal Home Loan Bank stock Total available-for-sale securities Investments, Fair Value Disclosure INVESTMENT SECURITIES INVESTMENT SECURITIES [Abstract] Amortized Cost and Estimated Fair Value of Debt Investments by Contractual Maturity Investments Classified by Contractual Maturity Date [Table Text Block] Investments in bank subsidiary Junior Subordinated Debentures [Member] Junior Subordinated Debt [Member] Subordinated loans 3-Month LIBOR [Member] London Interbank Offered Rate (LIBOR) [Member] Long-term Debt, Type [Axis] Long-term Debt, Type [Domain] Land [Member] Total liabilities Liabilities Total liabilities and shareholders' equity Liabilities and Equity Liabilities and Shareholders' Equity [Abstract] LIABILITIES AND SHAREHOLDERS' EQUITY: LIABILITIES AND SHAREHOLDERS' EQUITY: Line of Credit Facility [Table] Lender Name [Axis] Line of Credit Facility [Line Items] Line of Credit Facility, Lender [Domain] Maximum borrowing capacity Principal payments Loans and Leases Receivable, Related Parties, Proceeds Less allowance for loan losses Less: Allowance for loan losses Allowance for Loan Losses Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block] Net deferred loan fees Loans and Leases Receivable, Deferred Income Originations and Officer additions Loans and Leases Receivable, Related Parties, Additions Loans to Related Parties [Roll Forward] Loans Loans and Leases Receivable, Net of Deferred Income Total Loans Receivable Total loans Loans Loans receivable, ending balance Balance at the end of the year Balance at the beginning of the year Loans and Leases Receivable, Related Parties Net loans Residential mortgage loans pledged to FHLBNY as blanket collateral LOANS Loans receivable, net Loans Receivable, Net Long-term [Abstract] Long-term Debt, Fiscal Year Maturity [Abstract] 2019 2019 Long-term Debt, Maturities, Repayments of Principal in Year Three Long-term borrowings Total Long-term borrowings Total long-term fixed rate borrowings Thereafter Thereafter Long-term Debt, Maturities, Repayments of Principal after Year Five 2018 2018 Long-term Debt, Maturities, Repayments of Principal in Year Two 2020 2020 Long-term Debt, Maturities, Repayments of Principal in Year Four 2021 2021 Long-term Debt, Maturities, Repayments of Principal in Year Five 2017 2017 Long-term Debt, Maturities, Repayments of Principal in Next Twelve Months Major Types of Debt and Equity Securities [Axis] Major Types of Debt Securities [Domain] Major Types of Debt Securities [Domain] Major Types of Debt and Equity Securities [Domain] Appraisal Collateral - Appraisal Approach [Member] Market Approach Valuation Technique [Member] Maturities of time deposits [Abstract] Maturities of Long-term Debt [Abstract] Maturities of Subordinated Debt [Abstract] Maximum [Member] Minimum [Member] Membership interest own in Fitzgibbons through subsidiary Noncontrolling Interest, Ownership Percentage by Parent Noncontrolling interest by subsidiary Noncontrolling Interest, Ownership Percentage by Noncontrolling Owners Noncontrolling interest Stockholders' Equity Attributable to Noncontrolling Interest Cash Equivalents-Money Market [Member] Residential real estate loans in the process of foreclosure Number of loans Municipal Securities [Member] Financing activities [Abstract] FINANCING ACTIVITIES Net cash flows from investing activities Net Cash Provided by (Used in) Investing Activities, Continuing Operations OPERATING ACTIVITIES Net cash flows from financing activities Net Cash Provided by (Used in) Financing Activities, Continuing Operations Net cash flows from operating activities Net Cash Provided by (Used in) Operating Activities, Continuing Operations Operating Activities [Abstract] Net Cash Provided by (Used in) Operating Activities [Abstract] INVESTING ACTIVITIES Investing Activities [Abstract] Net income attributable to Pathfinder Bancorp Inc. Net Income Net income attributable to Pathfinder Bancorp, Inc. Net income attributable to noncontrolling interest Net Income (Loss) Attributable to Noncontrolling Interest Net income available to common shareholders Net Income (Loss) Available to Common Stockholders, Diluted Net income available to common shareholders Net income available to common shareholders Net Income (Loss) Available to Common Stockholders, Basic NEW ACCOUNTING PRONOUNCEMENTS [Abstract] Noninterest-bearing Demand deposit noninterest-bearing Noninterest income: Noninterest expense: Total noninterest expenses Noninterest Expense Total noninterest income Noninterest Income Notes, Loans and Financing Receivable, Net [Abstract] Number of properties Number of Real Estate Properties Non-controlling Interest [Member] Other comprehensive income before reclassifications Building occupancy Off-Balance Sheet Credit Related Financial Instruments Off-Balance-Sheet Credit Exposure, Policy [Policy Text Block] Officers [Member] Total minimum lease payments Operating Leases, Future Minimum Payments Due 2018 Operating Leases, Future Minimum Payments, Due in Two Years Future Minimum Rental Commitments for Non-cancelable Operating Leases [Abstract] 2017 Operating Leases, Future Minimum Payments Due, Next Twelve Months Thereafter Operating Leases, Future Minimum Payments, Due Thereafter Rent expense 2019 2020 2021 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Other comprehensive loss, net of tax Other comprehensive loss, net of tax Other Comprehensive Income (Loss), Net of Tax Retirement Plans: Unrealized holding losses arising during the period Other Comprehensive Income (Loss), Available-for-sale Securities, Tax Retirement plan net losses recognized in plan expenses Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Gain (Loss), Tax Net unrealized gain (loss) on retirement plans Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, before Tax Reclassification adjustment for interest expense included in net income Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI on Derivatives, before Tax Change in unrealized holding gains (losses) on financial derivative Other Comprehensive Income (Loss), Derivatives Qualifying as Hedges, Tax Reclassification adjustment for net gains included in net income Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax Reclassification adjustment for net gains included in net income Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax Reclassification adjustment for interest expense included in net income Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI on Derivatives, Tax Retirement plan net losses recognized in plan expenses Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Gain (Loss), before Tax Plan gains (losses) not recognized in plan expenses Other Comprehensive Income (Loss), Finalization of Pension and Other Postretirement Benefit Plan Valuation, before Tax Net unrealized gain on financial derivative Other Comprehensive Income (Loss), Derivatives Qualifying as Hedges, before Tax Other comprehensive income, before tax Other Comprehensive Income (Loss), before Tax Net unrealized loss on available for sale securities Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, before Tax Unrealized holding losses on available for sale securities Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, before Tax, [Abstract] Income tax effect related to other comprehensive income Tax effect Other Comprehensive Income (Loss), Tax Other assets Change in unrealized holding gains (losses) on financial derivative Plan gains (losses) not recognized in plan expenses Other Comprehensive Income (Loss), Finalization of Pension and Other Postretirement Benefit Plan Valuation, Tax Unrealized holding gains on financial derivative: Other Comprehensive Income (Loss), Derivatives Qualifying as Hedges, before Tax [Abstract] Unrealized holding losses arising during the period Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, before Tax Dividends from non-bank subsidiary Other liabilities NON-CASH INVESTING ACTIVITY Other expenses Operating, net Postretirement Benefits [Member] Other Comprehensive Income (Loss) Tax Effect Allocated to Each Component of Other Comprehensive Loss Other Comprehensive Income (Loss), Tax, Portion Attributable to Parent, Parenthetical Disclosures [Abstract] Other Liabilities [Member] Age Analysis of Past Due Loans Segregated by Class of loans Past Due Financing Receivables [Table Text Block] Pass [Member] Parent Company [Member] New Pathfinder [Member] Pathfinder Bank [Member] Proceeds from bank owned life insurance Payments for (Proceeds from) Life Insurance Policies Originations of loans held-for-sale Payments for Origination of Mortgage Loans Held-for-sale Net change in loans Payments for (Proceeds from) Loans and Leases Net (purchases of) proceeds from Federal Home Loan Bank stock Payments for (Proceeds from) Federal Home Loan Bank Stock Purchase of investments Payments to Acquire Investments Purchase of investment securities available-for-sale Payments to Acquire Available-for-sale Securities Preferred stock dividends Cash dividends paid to preferred shareholder Cash dividends paid to preferred shareholder - SBLF Payments of Ordinary Dividends, Preferred Stock and Preference Stock Acquisition of insurance agency Payments to Acquire Businesses, Net of Cash Acquired Purchase of investment securities held-to-maturity Payments to Acquire Held-to-maturity Securities Payment for redeemed shares Payments for Repurchase of Redeemable Preferred Stock Purchase of common stock Payments for Repurchase of Common Stock Cost related to offering Payments of Stock Issuance Costs Cash dividends paid to common shareholders Payments of Ordinary Dividends, Common Stock Purchase of premises and equipment Payments to Acquire Productive Assets Retirement Benefits Other accrued liabilities EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS Pension Benefits [Member] Compensation expense Plan Name [Domain] Plan Asset Categories [Domain] Plan Name [Axis] Portion at Fair Value Measurement [Member] Portion at Fair Value Measurement [Member] [Default] Preferred stock dividends Preferred Stock Dividends and Other Adjustments Preferred stock, shares issued (in shares) Preferred stock, shares issued (in shares) Preferred stock, liquidation preference Preferred Stock, Liquidation Preference, Value Preferred stock dividend rate Preferred Stock, Dividend Rate, Percentage Preferred Stock [Member] Preferred stock, shares authorized (in shares) Preferred stock, par value (in dollars per share) Preferred stock, shares outstanding (in shares) Preferred stock Preferred stock - SBLF, par value $0.01 per share; $1,000 liquidation preference; 13,000 shares authorized; 0 shares and 13,000 shares issued and outstanding, respectively Reclassifications Net change in short-term borrowings Redemption of preferred stock - SBLF Redemption of preferred stock - SBLF Proceeds from sale of U.S. Treasury securities Proceeds from (Payments for) in Securities Sold under Agreements to Repurchase Change in noncontrolling interest, net Proceeds from subordinated loan Proceeds from subordinated loans Proceeds from dividends received Proceeds from Dividends Received Proceeds from maturities and principal reductions of investment securities held-to-maturity Proceeds from maturities and principal reductions of investment securities available-for-sale Proceeds from long-term borrowings Purchase of common stock Net offering proceeds of common stock Amount received of net proceeds Gross offering proceeds of common stock Proceeds from Issuance or Sale of Equity Held-to-maturity investment securities Proceeds from sale of investment Proceeds from sales of loans Available-for-sale investment securities Proceeds from Sale of Available-for-sale Securities Real estate acquired through foreclosure Proceeds from Sale of Foreclosed Assets Proceeds from exercise of stock options Professional and other services Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc. Net income Net Income (Loss), Including Portion Attributable to Noncontrolling Interest Useful life Premises and Equipment, Type [Domain] Premises and Equipment Property, Plant and Equipment, Policy [Policy Text Block] PREMISES AND EQUIPMENT [Abstract] Premises and Equipment [Abstract] Premises and Equipment Property, Plant and Equipment [Table Text Block] Premises and equipment, net Premises and equipment, net Premises and Equipment [Line Items] Premises and equipment, gross Premises and Equipment, Type [Axis] PREMISES AND EQUIPMENT Provision for loan losses Provisions (credits) Additional provision for loan losses Provision for Loan Losses Expensed Range [Axis] Range [Domain] Real Estate [Member] Commercial Real Estate [Member] Real Estate Loan [Member] Real Estate Properties [Domain] Real Estate Properties [Domain] Real Estate Properties [Line Items] Real Estate Properties [Line Items] Real Estate Property Ownership [Axis] FORECLOSED REAL ESTATE Real Estate Owned [Text Block] FORECLOSED REAL ESTATE [Abstract] Gross Realized Gains (Losses) on Sale of Securities Realized Gain (Loss) on Investments [Table Text Block] LOANS [Abstract] Amounts reclassified from AOCI Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items] Reclassification Out Of Accumulated Other Comprehensive Income [Table] Reclassification out of Accumulated Other Comprehensive Income [Member] Reclassification out of Accumulated Other Comprehensive Income [Member] Reclassification Out Of Accumulated Other Comprehensive Income [Domain] Reclassification Out Of Accumulated Other Comprehensive Income [Axis] Schedule of Amounts Reclassified Out of Each Component of AOCI Reclassification out of Accumulated Other Comprehensive Income [Table Text Block] REGULATORY MATTERS [Abstract] REGULATORY MATTERS RELATED PARTY TRANSACTIONS Related Party [Domain] Deposits of related parties Related Party Transaction [Line Items] Related Party [Axis] RELATED PARTY TRANSACTIONS [Abstract] Payments on long-term borrowings Repayments of Long-term Debt Residential Mortgage Loans [Member] Residential Portfolio Segment [Member] Restricted Stock Awards [Member] DIVIDENDS AND RESTRICTIONS Retained Earnings [Member] Retained earnings Income [Abstract] Actual Ratio [Abstract] Substandard [Member] Weighted average remaining contractual term - options outstanding Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term Expected life Estimated Amortization Expense for Each of the Five Succeeding Years Salaries and employee benefits Salaries and employee benefits Schedule of Financing Receivable, Allowance for Credit Losses [Table] Provision for Income Taxes Schedule of Components of Income Tax Expense (Benefit) [Table Text Block] Significant Assumptions Used in Determining Benefit Obligations and Net Periodic Benefit Plan Cost Schedule of Assumptions Used [Table Text Block] Schedule of Real Estate Properties [Table] Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax Schedule of Accumulated Other Comprehensive Loss Component of the Net Deferred Tax (Liability) Asset Schedule of Deferred Tax Assets and Liabilities [Table Text Block] Recorded Investment, Credit Quality Indicator [Table] Expected Future Service Benefit Payments Schedule of Expected Benefit Payments [Table Text Block] Activity in the stock option plans Schedule of Share-based Compensation, Stock Options, Activity [Table Text Block] Composition of Borrowings Schedule of Debt [Table Text Block] Fair Value Outstanding Derivatives Schedule of Derivatives Instruments Statements of Financial Performance and Financial Position, Location [Table Text Block] Change in Accumulated Other Comprehensive Loss on Pretax Basis and Impact on Earnings from Interest Rate Swap Schedule of Cash Flow Hedges Included in Accumulated Other Comprehensive Income (Loss) [Table Text Block] Nonaccrual Loans Segregated by Class of Loan Schedule of Financing Receivables, Non Accrual Status [Table Text Block] Loans to Related Parties Schedule of Related Party Transactions [Table Text Block] Schedule of Financing Receivables Past Due [Table] Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table] Amounts Recognized in Other Comprehensive Loss Schedule of Amounts Recognized in Other Comprehensive Income (Loss) [Table Text Block] Calculations of Basic and Diluted Earnings per Share Schedule of Earnings Per Share, Basic and Diluted [Table Text Block] Changes in Plan Benefit Obligations, Fair Value of Plan Assets and Plans' Funded Status Schedule of Accumulated Benefit Obligations in Excess of Fair Value of Plan Assets [Table Text Block] Composition of Net Periodic Benefit Plan Cost Schedule of Net Benefit Costs [Table Text Block] Schedule of Impaired Financing Receivable [Table] Gross Carrying Amount and Accumulated Amortization for Identifiable Intangible Asset Condensed Financial Information of Parent Company Condensed Financial Statements [Table Text Block] Minimum Rental Commitments for Non-cancelable Operating Leases Schedule of Future Minimum Rental Payments for Operating Leases [Table Text Block] Investment Securities' Gross Unrealized Losses and Fair Value by Investment Category and Length of Time that Individual Securities have Continuous Unrealized Loss Position Schedule of Unrealized Loss on Investments [Table Text Block] Scheduled Maturities of Debt Schedule of Maturities of Long-term Debt [Table Text Block] Reconciliation of the Federal Statutory Income Tax Rate to the Effective Income Tax Rate Schedule of Effective Income Tax Rate Reconciliation [Table Text Block] Schedule of Available-for-sale Securities [Table] Condensed Financial Statements [Table] Pension Plan Assets Measured at Fair Value Schedule of Defined Benefit Plans Disclosures [Table Text Block] Schedule of Available-for-sale Securities [Line Items] Actual Capital Amounts and Ratios Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block] Schedule of Deferred Compensation Arrangement with Individual, Excluding Share-based Payments and Postretirement Benefits, by Title of Individual and by Type of Deferred Compensation [Table] Schedule of Business Acquisitions, by Acquisition [Table] Schedule of Fair Value, Off-balance Sheet Risks [Table] Schedule of Held-to-maturity Securities [Line Items] Schedule of Employee Stock Ownership Plan (ESOP) Disclosures [Table] Schedule of Held-to-maturity Securities [Table] Summary of the Contractual Amounts of Financial Instruments with Credit Risk Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block] Schedule of Property, Plant and Equipment [Table] Schedule of Related Party Transactions, by Related Party [Table] Schedule of Principal Balances, Interest Rates and Maturities of the Subordinated Loans Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table] Schedule of Accounts, Notes, Loans and Financing Receivable [Table] Schedule of Stock by Class [Table] Major Classification of Loans Segments [Domain] Segment Reporting Segment Reporting, Policy [Policy Text Block] Series B Preferred Stock [Member] Series B Preferred Stock [Member] Mortgage servicing rights capitalized Servicing Asset at Amortized Cost, Additions SERVICING [Abstract] Mortgage servicing rights amortized Loan servicing fees Compensation expense Share-based Compensation Granted (in dollars per share) Vesting period Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period Exercised (in dollars per share) Granted (in shares) Expired (in dollars per share) Share-based Compensation Arrangement by Share-based Payment Award [Line Items] Weighted Average Exercise Price [Roll Forward] Expired (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Options, Expirations in Period Options exercisable, weighted average exercise price (in dollars per share) Number of shares authorized (in shares) Risk free interest rate Options exercisable at end of period (in shares) Options exercisable at beginning of period (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number Options, Additional Disclosures [Abstract] Intrinsic value of options exercised Fair Value Assumptions [Abstract] Expected dividend yield Expected volatility rate Outstanding at beginning of period (in dollars per share) Outstanding at end of period (in dollars per share) Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price Outstanding at beginning of period (in shares) Outstanding at end of period (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number Award Type [Domain] Stock Options Outstanding [Roll Forward] Weighted average fair value of options granted (in dollars per share) Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value Stock-Based Compensation Common stock sold per share (in dollar per share) Shares Issued, Price Per Share Short-term borrowings Total short-term borrowings Short-term [Abstract] Special Mention [Member] Standby Letters of Credit [Member] Standby Letters of Credit [Member] State Tax Class of Stock [Axis] Statement [Line Items] Equity Components [Axis] Equity Components [Axis] Consolidated Statements of Changes in Shareholder's Equity [Abstract] Consolidated Statements of Cash Flows [Abstract] Statement of Cash Flows [Abstract] Consolidated Statements of Comprehensive Income [Abstract] Statement [Table] Balance Sheets [Abstract] Consolidated Statements of Condition [Abstract] Segments [Axis] Redeemed shares (in shares) Preferred stock redemption (in shares) Stock Redeemed or Called During Period, Shares Shares purchased (in shares) Stock based compensation and ESOP expense Stock options exercised Stock Issued During Period, Value, Stock Options Exercised Preferred stock, redemption Stock Redeemed or Called During Period, Value Number of shares of common stock sold (in shares) Stock Issued During Period, Shares, New Issues Exercised (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period Shareholders' equity: Shareholders' equity: Total equity Balance Balance Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest Shareholders' equity Total Pathfinder Bancorp, Inc. shareholders' equity Beginning balance Ending balance Total subordinated loans Total subordinated loans SUBORDINATED LOANS Subordinated Borrowings Disclosure [Text Block] Subordinated Note [Member] Subordinated Debt [Member] Subordinated loans Subordinated Debt SUBORDINATED LOANS [Abstract] Derivative Financial Instruments [Abstract] Supplemental Executive Retirement Plans [Member] Supplemental Employee Retirement Plan [Member] CASH PAID DURING THE PERIOD FOR: Supplemental Cash Flow Information [Abstract] Tier 1 capital (to risk-weighted assets) Tier One Risk Based Capital to Risk Weighted Assets Tier 1 capital (to assets) Tier One Leverage Capital Required for Capital Adequacy Tier 1 capital (to risk-weighted assets) Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets Tier 1 capital (to risk-weighted assets) Tier One Risk Based Capital Required to be Well Capitalized Tier 1 capital (to assets) Tier One Leverage Capital Required to be Well Capitalized to Average Assets Tier 1 capital (to assets) Tier One Leverage Capital to Average Assets Tier 1 capital (to risk-weighted assets) Tier One Risk Based Capital Required for Capital Adequacy Tier 1 capital (to risk-weighted assets) Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets Tier 1 capital (to assets) Tier One Leverage Capital Tier 1 capital (to assets) Tier One Leverage Capital Required for Capital Adequacy to Average Assets Tier 1 capital (to assets) Tier One Leverage Capital Required to be Well Capitalized Tier 1 capital (to risk-weighted assets) Tier One Risk Based Capital 2021 Time Deposit Maturities, Year Five Time accounts Time Deposits, Less than $100,000 Total Time Deposits 2020 Time Deposit Maturities, Year Four 2018 Time Deposit Maturities, Year Two 2017 Time Deposit Maturities, Next Twelve Months 2019 Time Deposit Maturities, Year Three Thereafter Relationship to Entity [Domain] Title of Individual [Axis] Title of Individual [Axis] Types of Financial Instruments [Domain] SERVICING Transfers and Servicing of Financial Assets [Text Block] Transfers of Financial Assets Transfers and Servicing of Financial Assets, Policy [Policy Text Block] Troubled Debt Restructuring, Modified [Abstract] Troubled Debt Restructurings on Financing Receivables Unearned ESOP Unearned ESOP Shares Amortized Cost and Estimated Fair Value of Investment Securities Unrealized Gain (Loss) on Investments [Table Text Block] Use of Estimates in the Preparation of Consolidated Financial Statements State and Political Subdivisions [Member] US States and Political Subdivisions Debt Securities [Member] US Treasury, Agencies and GSEs [Member] US Treasury and Government [Member] Decrease in valuation allowance Valuation Technique [Axis] Valuation Technique [Domain] Variable Rate [Domain] Variable Rate [Axis] Senior Vice President [Member] Vice President [Member] Diluted weighted average common shares outstanding (in shares) Weighted Average Number of Shares Outstanding, Diluted Weighted Average [Member] Weighted average common shares outstanding (in shares) Changes to accumulated comprehensive income resulting from the net income or the net loss in value of securities transferred to held to maturity. Accumulated Net Unrealized Investment Income (Loss), Held to Maturity Securities [Member] Unrealized Loss on Securities Transferred to Held-to-Maturity [Member] Changes to accumulated comprehensive income resulting from the net appreciation or the net loss in value of available-for-sale securities. Accumulated Net Unrealized Securities Available for Sale Gain (Loss) [Member] Unrealized Gains and Losses on Available-for-Sale-Securities [Member] Changes to accumulated comprehensive income resulting from the net appreciation or the net loss in value of securities transferred to held to maturity. Accumulated Net Unrealized Securities Transferred to Held To Maturity Gain (Loss) [Member] Unrealized Loss on Securities Transferred to Held-to-Maturity [Member] Changes to accumulated comprehensive income resulting from the net appreciation or the net loss in value of financial derivatives. Accumulated Net Unrealized Financial Derivative Gain (Loss) [Member] Unrealized Gains (Losses) on Financial Derivative [Member] The term of the loan repayment. Employee Stock Ownership Plan (ESOP), Debt Structure, Employer Loan, Term Term of loan repayment This item represents the number of shares associated with new loan (including units of refinanced loan) to the Employee Stock Ownership Plan (ESOP) during the period. Employee Stock Ownership Plan ESOP Shares Associated with New Loan Number of shares from new loan (in shares) This item represents the number of shares associated with the refinance loan to the Employee Stock Ownership Plan (ESOP) during the period. Employee Stock Ownership Plan ESOP Shares Associated with Refinance Loan Number of shares from refinanced loan (in shares) Maximum borrowing capacity on an unsecured basis, under the credit facility without consideration of any current restrictions on the amount that could be borrowed or the amounts currently outstanding under the facility. Line of Credit Facility, Maximum Borrowing Capacity, Unsecured Basis Maximum borrowing capacity, unsecured basis Borrowings from the Federal Reserve Bank of New York, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. Federal Reserve Bank of New York [Member] The other corresponding banks. Other Corresponding Banks [Member] The number of corresponding banks line of credit facilities. Number of Corresponding Banks With A Line Of Credit Available Number of corresponding banks with a line of credit available Maximum borrowing capacity requiring collateral, under the credit facility without consideration of any current restrictions on the amount that could be borrowed or the amounts currently outstanding under the facility. Line of Credit Facility, Maximum Borrowing Capacity, Requiring Collateral Maximum borrowing capacity, requiring collateral The number of days past due before a loan is classified as special mention. Number of Days Past Due Before a Loan is Classified as Special Mention Number of days past due before a loan is classified as Special Mention The number of days past due before a loan is classified as substandard. Number of Days Past Due Before a Loan is Classified as Substandard Number of days past due before a loan is classified as Substandard The number of consecutive months that a loan is classified as current before the loan status is upgraded. Number of Consecutive Months Current Before Loan Is Upgraded Number of consecutive months current before loan is upgraded Class of financing receivables related to residential mortgage and consumer loans combined. Residential Mortgage and Consumer Loans [Member] Term of the interest rate that fluctuates over time as a result of an underling benchmark interest rate or index. Debt Instrument, Term of Variable Rate Debt instrument, term of variable rate The amount of expense provided in the period for origination and legal costs incurred during the period. Origination and Legal Fees Origination and legal fees Amount of long term debt maturing within ten years following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date. Long-term Debt, Maturities Summary, Due within Ten Years due within 10 years Represents the interest rate applicable to long term debt due within ten years of the Balance Sheet date. Long Term Debt Maturities Summary By Interest Rate Within Ten Years Interest Rate due within 10 years This element represents domestic or foreign subordinated debt with maturity term. Subordinated Term Loan [Member] Subordinated Loan [Member] The non-consolidated wholly owned subsidiary trust. Pathfinder Statutory Trust II [Member] Maturities Of Long Term Debt, Interest Rate [Abstract] Maturities of Subordinated Debt, Interest rate [Abstract] Amount of long-term debt payable, sinking fund requirements, and other securities issued that are redeemable by holder at fixed or determinable prices and dates maturing in the twenty first fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date. Long Term Debt Maturities Repayments Of Principal In Year Twenty One due within 21 years The call provision period on the capital securities. Debt Instrument, Call Provision on Trust Securities Call provision on trust securities Tabular disclosure of repayment of subordinated borrowing where a lender is placed in a lien position behind debt having a higher priority of repayment (senior) in case of liquidation of the entity's assets or underlying collateral. Schedule of Repayments Of Subordinated Borrowings [Table Text Block] Scheduled Repayments of the Subordinated Loans Tabular disclosure of information pertaining to Subordinated debt instruments or arrangements, including but not limited to identification of terms, features, collateral requirements and other information necessary to a fair presentation. Components Of Subordinated Borrowings [Table Text Block] Composition of Subordinated Loans Refers to the non-brokered deposits. Non-Brokered Deposit [Member] Non-Brokered [Member] Mortgage funds held in escrow. Mortgage escrow funds A large-denomination bank deposit that is sold by a bank to a brokerage, which then divides it into smaller pieces for sale to its customers, for example core deposits. Brokered Deposit [Member] Brokered [Member] Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money management accounts. Deposits, Money Management Accounts Money management accounts The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $250,000 or more. Time Deposits, 250000 or More Time accounts of $250,000 or more Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. Deposits [Line Items] Deposits [Line Items] Disclosure of information about all deposit liabilities held by the entity. Deposits [Table] Represents the period for death, disability or termination following a change in control after which the Company is required to make benefit payments to the executive or his beneficiary. Period for death, disability or termination following change in control Number of years the Bank is required to make additional annual contributions The age for the commencement of deferred compensation payments to the beneficiaries. Deferred Compensation Arrangement With Individual Benefit Payment Age Deferred compensation benefit payments age Represents the period for benefit payment that the Company is required to make to the executive or his beneficiary following a change in control. Period for benefit payment in the event of death, disability or termination following change in control Period for benefit payment in the event of death, disability or termination following change in control Represents the number of annual installments for benefit payments from SERP. Number of annual installments for benefit payments Officers of the entity that are appointed by the board of directors. Directors and Certain Executive Officers [Member] Represents the period for involuntary termination or resignation following a change in control after which the Company is required to make additional annual contributions to the plan. Period for involuntary termination or resignation following change in control Period for additional annual contributions following change in control Refers to percentage of fund assets in investment grade fixed income securities. Percentage of fund assets in investment grade fixed income securities The number of funds invested in the asset category. Number of funds in assets category Assets category consist of number of funds Refers to the percentage of target investments in mortgage-backed securities. Percentage of target investments in mortgage-backed securities Refers to number of investments in fund assets in investment grade fixed income securities. Number of investments in fund assets in investment grade fixed income securities This approximate number of stocks held in the portfolio. Number of Stocks Held in the Portfolio, Approximate Approximate or typical number of stocks held in the portfolio Elements refers to the percentage of market capitalization of equity security in compare to market universe. Market capitalizations Period of time between issuance and maturity of debt security, in PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Debt Security Maturity Term Maturity Period of debt security Investment that pools funds from investors to invest in a combination of underlying investments, primarily fixed income investments intermediately. Mutual Funds Fixed Income US Core [Member] An investment that pools funds from many investors to invest in a combination of underlying investments, primarily equity investments. Mutual Funds Equity Large Cap Growth [Member] Mutual Funds - Equity - Large-cap Growth [Member] An investment that pools funds from many investors to invest in a combination of underlying investments, primarily equity investments. Mutual Funds - Equity - Mid-cap Value [Member] An investment that pools funds from many investors to invest in a combination of underlying investments, primarily equity investments. Mutual Funds - Equity - Small-cap Core [Member] Mutual Funds - Equity - Small-cap Core [Member] An investment that pools funds from many investors to invest in a combination of underlying investments, primarily equity investments. Mutual Funds - Equity - Small-cap Growth [Member] An investment that pools funds from many investors to invest in a combination of underlying investments, primarily equity investments. International Equity [Member] An investment that pools funds from many investors to invest in a combination of underlying investments, primarily equity investments. Mutual Funds - Equity - Large-cap Value [Member] Mutual Funds - Equity - Large-cap Value [Member] An investment that pools funds from many investors to invest in a combination of underlying investments, primarily equity investments. Mutual Funds Equity Mid Cap Growth [Member] Mutual Funds - Equity - Mid-Cap Growth [Member] An investment that pools funds from many investors to invest in a combination of underlying investments, primarily equity investments. Mutual Funds - Equity - Small-cap Value [Member] An investment that pools funds from many investors to invest in a combination of underlying investments, primarily equity investments. Mutual Funds Equity Large Cap Core [Member] Mutual Funds - Equity - Large-cap Core [Member] An investment that pools funds from many investors to invest in a combination of underlying investments, primarily equity investments. Mutual Funds - Equity - Mid-cap Core [Member] Number of shares that have been purchased during the period. Common Stock, Shares, Acquired Purchase of common stock shares (in shares) An assumption as to the rate of return on plan assets reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the benefit obligation in the next fiscal year. Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Expected Long-term Return on Assets - Next Fiscal Year Expected long term rate of return on plan assets - 2017 An assumption as to the real rate of return on plan assets reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the benefit obligation. Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Real Rate Long-term Return on Assets Real rate of return on assets assumption Investment that pools funds from investors to invest in a combination of underlying investments, primarily fixed income investments intermediately. Mutual Funds-Fixed Income Long Duration [Member] Mutual Funds-Fixed Income Long Duration [Member] An decrease assumption as to the rate of return on plan assets reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the benefit obligation. Defined Benefit Plan Assumptions Used Calculating Decrease in Basis Point Expected Long Term Return On Assets Decrease in expected long-term rate of return in basis points Percentage variation for rebalancing the assets when the equity and fixed income allocations are off by this percentage. Defined Benefit Plan, Target Plan Asset Allocations Range, Asset Rebalancing Threshold Asset rebalancing threshold The expected total amount of net periodic benefit cost for defined benefit plans in the next fiscal period. Pension and Other Postretirement Benefit Plans, Expected Net Periodic Benefit Cost in Next Fiscal Year Expected net periodic benefit cost in next fiscal year The estimated long-term inflation rate during the period. Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Long-term Inflation Rate Long-term inflation rate An decrease of amount calculated as a basis for determining the extent of delayed recognition of the effects of changes in the fair value of assets. The expected return is determined based on the expected long-term rate of return on plan assets. Defined Benefit Plan Decrease in Expected Return On Long-term Rate Of Return Decrease in expected long-term rate of return Percentage variation for rebalancing the assets when the equity and fixed income allocations policy guideline. Defined Benefit Plan, Target Plan Asset Allocations Range, Policy Range Guideline Policy range guideline Elements refers to the number of funds in which plan assets invested. Number of funds in which plan assets invested Elements refers to the Estimated retirement life of Assets in the Trust. Estimated Retirement Life Of Assets In The Trust Estimated retirement life of assets in the trust Investment that pools funds from investors to invest in a combination of underlying investments, primarily fixed income investments intermediately. Mutual Funds-Fixed Income Intermediate duration [Member] Mutual Funds - Fixed Income Intermediate duration [Member] An investment that pools funds from many investors to invest in a combination of underlying investments, which is not form part of any assets class mentioned in the taxonomy. Alternative Asset fund [Member] Alternative Asset fund [Member] An investment that pools funds from many investors to invest in a combination of underlying investments, primarily equity investments. Long/Short Equity Funds [Member] Long/Short Equity Funds [Member] Amount of financing receivables in allowance to qualitative factors. Financing Receivable, Allowance for Credit Losses, Qualitative factors Qualitative factors Amount of financing receivables in allowance to historical loss rate. Financing Receivable, Allowance for Credit Losses, Historical loss rate Historical loss rate Amount of financing receivables in allowance to specifically reserved. Financing Receivable, Allowance for Credit Losses, Specifically reserved Specifically reserved Allowance for Loan Losses on Basis of Calculation Methodology [Abstract] Allowance for Loan Losses on Basis of Calculation Methodology [Abstract] The minimum years of service before an employee can be eligible to participate in the health and life insurance benefits as of January 1, 1995. Minimum Years of Service to Participate in the Health and Life Insurance Benefits As Of January 1, 1995 Minimum years of service to participate in the health and life insurance benefits as of January 1, 1995 The tax effect of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s). Defined Benefit Plan, Accumulated Other Comprehensive Income (Loss), Tax Tax Effect Defined Benefit Plan, Amounts Recognized in Accumulated Other Comprehensive Loss [Abstract] Amounts Recognized in Accumulated Other Comprehensive Loss [Abstract] The percentage of gains or losses greater of the benefit obligation or the fair value of assets amortized over the average remaining service period. Gains or Losses Greater of the Benefit Obligation or the Fair Value of Assets Amortized Over the Average Remaining Service Period Gains or losses greater of the benefit obligation or the fair value of assets amortized over the average remaining service period Document and Entity Information [Abstract] Tabular disclosure of the components of deposit liabilities categorized as brokered and non-brokered deposits. Schedule of Deposits by Type [Table Text Block] Summary of Deposits by Type Tabular disclosure of the components of deposit liabilities. Deposits [Table Text Block] Summary of Deposits Tabular disclosure of schedule of maturities of time deposits. Scheduled maturities of time deposits [Table Text Block] Scheduled Maturities of Time Deposits Amount of deferred tax consequences attributable to taxable temporary differences derived from prepaid pension. Deferred Tax Liabilities Prepaid Pension Prepaid Pension Amount of deferred tax liability attributable to taxable temporary differences related to loan origination fees. Deferred Tax Liabilities, Loan Origination Fees Loan origination fees Amount of deferred tax liability attributable to taxable temporary differences related to accretion. Deferred Tax Liabilities, Accretion Accretion Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards. Deferred Tax Assets (Liabilities), Net Before Valuation Allowance Net deferred tax assets Amount before allocation of valuation allowances of deferred tax asset attributable to held-to-maturity securities. Deferred Tax Assets Held-to-maturity securities Held-to-maturity securities The portion of the difference between the effective income tax rate and domestic federal statutory income tax rate attributable to the increase in the value of bank owned life insurance less premium paid. Effective Income Tax Rate Reconciliation, Increase in Value of Bank Owned Life Insurance Less Premium Paid Increase in value of bank owned life insurance less premium paid Amount before allocation of valuation allowances of deferred tax asset attributable to taxable temporary differences related to loan origination fees. Deferred Tax Assets, Loan Origination Fees Loan origination fees Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from investment securities and derivative instruments. Deferred Tax Assets, Investment securities and financial derivative Investment securities and financial derivative Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from subordinated loan interest. Deferred Tax Assets, Subordinated loan interest Subordinated loan interest Gross number of share options (or share units), exercisable, granted during the period. Share based Compensation Arrangement by Share based Payment Award, Options Exercisable, Grants in Period, Gross Options exercisable, Granted (in shares) Represents the expense to be recognized during future periods arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees. Will be recognized in the next fiscal year. Estimated Future Compensation Expense Next Fiscal Year Estimated future compensation expense, 2017 Represents the expense to be recognized during future periods arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees. Will be recognized in the third year following the current balance sheet date. Estimated Future Compensation Expense In Year Three Estimated future compensation expense, 2019 Represents the expense to be recognized during future periods arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees. Will be recognized in the fourth year following the current balance sheet date. Estimated Future Compensation Expense In Year Four Estimated future compensation expense, 2020 Represents the expense to be recognized during future periods arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees. Will be recognized in the sixth year following the current balance sheet date. Estimated Future Compensation Expense In Year Six Estimated future compensation expense, 2022 Represents the expense to be recognized during future periods arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees. Will be recognized in the second year following the current balance sheet date. Estimated Future Compensation Expense In Year Two Estimated future compensation expense, 2018 Represents the expense to be recognized during future periods arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees. Will be recognized in the seventh year following the current balance sheet date. Estimated Future Compensation Expense In Year Seven Estimated future compensation expense, 2023 Represents the expense to be recognized during future periods arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees. Will be recognized in the fifth year following the current balance sheet date. Estimated Future Compensation Expense In Year Five Estimated future compensation expense, 2021 Estimated Future Compensation Expense [Abstract] Number of shares vested during the current period and available to exercise. Share based Compensation Arrangement by Share based Payment Award, Options, Newly Vested Newly vested (in shares) Weighted average exercise price of stock vested during the period. Share based Compensation Arrangements by Share based Payment Award, Options, Newly Vested in Period, Weighted Average Exercise Price Newly vested (in dollars per share) Highest ranking executive officer, who has ultimate managerial responsibility for the entity and who reports to the board of directors. In addition, the chief executive officer (CEO) may also be the chairman of the board or president and rank of officer in the entity that may be appointed by the board of directors. Chief Executive Officer And Senior Vice President [Member] The stock incentive plan approved by the board of directors for the issuance of awards in April 2010. April 2010 Stock Option Plan [Member] Number of newly vested exercisable shares. Share based Compensation Arrangement by Share based Payment Award, Options Exercisable, Number of newly vested exercisable shares Options exercisable, Newly vested (in shares) The annual vesting percentage of interest in the shares. Employee Stock Ownership Plan ESOP, Award Vesting Period, Percentage Per Year Award annual vesting The stock incentive plan approved by the board of directors for the issuance of awards in May 2016. May 2016 Restricted Stock Awards [Member] May 2016 Restricted Stock Awards [Member] The stock incentive plan approved by the board of directors for the issuance of awards in May 2016. May 2016 Stock Option Plan [Member] May 2016 Stock Option Plan [Member] Senior executive of the entity that is appointed to the position by the board of directors. Senior Officer [Member] Person serving on the board of directors (who collectively have responsibility for governing the entity). And officer is a executive of the entity that is appointed to the position by the board of directors. Director And Officer [Member] Directors and Officers [Member] Refers to Chief Executive Officer who is highest ranking executive officer, who has ultimate managerial responsibility for the entity and who reports to the board of directors, Executive officer one of the ranking officers of the entity, appointed to the position by the board of directors and also Senior executive of the entity that is appointed to the position by the board of directors. Chief Executive Officer, Executive Officers and Senior Officer [Member] Chief Executive Officer, Executive Officers and Senior Officer [Member] The number of stock awards beneficiaries. Number of Stock Awards Beneficiaries Number of stock awards beneficiaries Number of share options (or share units), exercisable, exercised during the current period. Share based Compensation Arrangement by Share based Payment Award, Options Exercisable, Exercises in Period Options exercisable, Exercised (in shares) Number of options or other stock instruments, exercisable, for which the right to exercise has lapsed under the terms of the plan agreements. Share based Compensation Arrangement by Share based Payment Award, Options Exercisable, Expirations in Period Options exercisable, Expired (in shares) The term of the award from the date of grant. Share Based Compensation Arrangement By Share Based Payment Award Term of award Term of award The number of beneficiaries whose award vest upon retirement. Number of Beneficiaries Whose Award Vest Upon Retirement Number of beneficiaries whose award vest upon retirement Tabular disclosure of the mortgage servicing rights capitalized and amortized. Mortgage servicing rights capitalized and amortized [Table Text Block] Mortgage Servicing Rights Capitalized and Amortized Equity impact from Unearned ESOP. Unearned ESOP [Member] Refers to distributions from affiliates. Distributions From Affiliates Distributions from affiliates Equity impact of the cost of common stock that were purchased during the period. Common Stock, Value, Acquired Purchase of common stock shares Employee stock ownership plan shares earned during the period. ESOP Shares Earned ESOP shares earned Before tax and reclassification adjustments amount of unrealized holding gain (loss) and transfers to held-to-maturity securities. Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Transferred to Held-to-maturity Arising During Period, before Tax Accretion of net unrealized loss on securities transferred to held-to-maturity Tax effect of unrealized holding gain (loss) before reclassification adjustments and transfers to Held-to-maturity. Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Transferred to Held-to-maturity Arising During Period, Tax Accretion of net unrealized loss on securities transferred to held-to-maturity The maximum maturity period for liquid resources to be classified as cash and cash equivalents. Maturity period for classification as cash and cash equivalents, Maximum Maturity period for classification as cash and cash equivalents, maximum The number of offices located in Onondaga county. Number Of Offices Located In Onondaga County Number of offices located in Onondaga County The number of offices located in Oswego county. Number of Offices Located In Oswego County Number of offices located In Oswego County Refers to percentage of consolidation of interest own in Fitzgibbons. Consolidation of membership interest in subsidiary Consolidation of membership interest in Fitzgibbons The costs associated with the conversion of the entity from a mutual holding company to a publicly into a public company. Conversion related expenses The number of wholly-owned subsidiaries. Number of Wholly-owned Subsidiaries Number of wholly-owned subsidiaries Nature of Operations [Abstract] The total of unrealized loss and transition, before tax, for pension and other postretirement obligations included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s)because they have yet to be recognized as components of net periodic benefit cost. Unrealized loss and transition obligation for pension and other postretirement obligations Unrealized loss for pension and other postretirement obligations The period of the repurchase agreements under which the company will purchase the security once sold under the agreement, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Repurchase Agreements Period Repurchase agreement period Carrying amount as of the balance sheet date will be recognized ratably as interest expense. Deferred Fees Deferred fees A fee charged for services of consulting and placement by the professionals. Consulting and placement fees Consulting and placement fees Amount of after tax net income increased as a result of offsetting interest expense. Increased in After Tax Net Income Increase in after-tax net income Amount of after tax amount partially offset against interest expense. After Tax Interest Expense Partially Offset After tax interest expenses partially offset Amount of pretax margin reduced as a result of offsetting interest expenses. Reduction in pretax interest margin Reduction in pretax net interest margin The employee stock option plan. ESOP [Member] Employee Stock Ownership Plan (ESOP) [Member] ESOP [Member] Consecutive period of current payments before non-accrual troubled debt restructured loans are restored to accrual status. Consecutive Months of Current Payments before Non accrual Troubled Debt Restructured Loans are Restored to Accrual Status Number of consecutive months of current payments before non-accrual troubled debt restructured loans are restored to accrual status Income Recognition on Impaired and Non-accrual Loans [Abstract] Accumulated appreciation or loss, before tax, in value of the total of available-for-sale securities at the end of an accounting period. Unrealized gains available for sale securities Unrealized loss on available-for-sale securities Tax effect of unrealized gains on available-for-sale securities included in accumulated other comprehensive income (loss). Unrealized gains on available for sale securities tax effect Tax effect Minimum amount of commercial real estate loans which requires additional reviews by a qualified third party. Minimum commercial real estate loans amount required for additional review Significant Group Concentrations of Credit Risk [Abstract] Accumulated appreciation or loss, before tax, in value of the total of securities transferred to held-to-maturity at the end of an accounting period. Unrealized loss on securities transferred to held-to-maturity Unrealized loss on securities transferred to held-to-maturity Tax effect of unrealized loss on financial derivative instruments used in cash flow hedging relationships included in accumulated other comprehensive income (loss). Unrealized loss on financial derivative instruments used in cash flow hedging relationships, tax effect Tax effect Tax effect of unrealized loss and transition obligation for pension and other postretirement obligation included in accumulated other comprehensive income (loss). Unrealized loss and transition obligation for pension and other postretirement obligations tax effect Tax effect Accumulated change, before tax, in accumulated gains and losses from derivative instruments designated and qualifying as the effective portion of cash flow hedges. Includes an entity's share of an equity investee's Increase or Decrease in deferred hedging gains or losses. Unrealized loss on financial derivative instruments used in cash flow hedging relationships Minimum amount of individual residential mortgage loans, which the entity collectively evaluated for impairment. Individual Residential Mortgage Loans Threshold For Evaluations Of Impairment Minimum amount, of residential mortgage loans threshold for evaluations of impairment Maximum percentage for estimating specific and general losses in portfolio. Maximum percentage for estimating specific and general losses Maximum percentage for estimating specific and general losses Allowance for Loans Losses [Abstract] Allowance for Loan Losses [Abstract] Amount of income tax benefit from repurchase of treasury security. Tax benefit from repurchase of treasury security Expected percentage of current income tax expense (benefit) and deferred income tax expense (benefit) with no impact of hedging pertaining to continuing operations. Expected Effective Income Tax with no impact of hedging, Rate Reconciliation, Percent Expected effective tax rate with no impact of hedging Unrealized holding gain (loss), net of tax, at the date of the transfer for a debt security from the held-to-maturity category transferred into the available-for-sale category. Also includes the unrealized gain (loss) at the date of transfer for a debt security from the available-for-sale category transferred into the held-to-maturity category. Other Comprehensive Income Reclassification Adjustment For Held To Maturity Transferred To Available For Sale Securities Net Of Taxes Net unrealized loss on securities transferred to held-to-maturity Tax effect of unrealized gains on securities transferred to held to maturity included in accumulated other comprehensive income (loss). Unrealized Loss On Securities Transferred To Held To Maturity Tax Effect Tax effect Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. Nature of Operations [Line Items] Nature of Operations [Line Items] Disclosure of information about nature of operations related to entity. Nature of Operations [Table] Nature of Operations [Table] The carrying amounts of cash and cash equivalent items which are restricted as to withdrawal or usage. Restricted Cash and Cash Equivalents, Average Balance On Hand or With the Federal Reserve Bank Average balance of cash on hand or with the Federal Reserve Bank Preferred shares may provide a preferential dividend to the dividend on common stock and may take precedence over common stock in the event of a liquidation. Preferred shares typically represent an ownership interest in the company. Preferred Stock CPP [Member] The common equity tier 1 risk-based capital required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action. Tier One Risk Based Common Equity to be Well Capitalized Tier 1 common equity (to risk-weighted assets) Tier 1 risk based common equity capital as defined in the regulations. Tier One Risk Based Common Equity Tier 1 common equity (to risk-weighted assets) Actual [Abstract] Actual Amount [Abstract] The amount of Total Capital required to be categorized as well as capitalized under the regulatory framework for prompt corrective action. Capital Required To Be Well Capitalized with buffer Total core capital (to risk-weighted assets) The amount of Tier 1 Leverage Capital required to be categorized as well capitalized with buffer under the regulatory framework for prompt corrective action. Tier One Leverage Capital Required To Be Well Capitalized With Buffer Tier 1 capital (to assets) The amount of Tier 1 Leverage Capital required to be categorized as well capitalized with buffer divided by average assets as defined in the regulatory framework for prompt corrective action. Tier One Leverage Capital Required To Be Well Capitalized With Buffer To Average Assets Tier 1 capital (to assets) The common equity tier 1 capital ratio (common equity tier 1 capital divided by risk weighted assets) required to be categorized as "well capitalized with buffer" under the regulatory framework for prompt corrective action. Tier One Risk Based Common Equity To Be Well Capitalized With Buffer To Risk Weighted Assets Tier 1 common equity (to risk-weighted assets) The Total risk based capital ratio (total capital divided by risk weighted assets) required to be categorized as "well capitalized with buffer", in the regulatory framework for prompt corrective action. Capital Required To Be Well Capitalized With Buffer To Risk Weighted Assets Total core capital (to risk-weighted assets) The Tier 1 capital ratio (Tier 1 capital divided by risk weighted assets) required to be categorized as "well capitalized with buffer" under the regulatory framework for prompt corrective action. Tier One Risk Based Capital Required To Be Well Capitalized With Buffer To Risk Weighted Assets Tier 1 capital (to risk-weighted assets) Well-Capitalized With Buffer Ratio [Abstract] "Well-Capitalized With Buffer, Fully Phased In For 2019 Ratio [Abstract] Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt. Preferred stock SBLF liquidation preference Preferred stock liquidation preference (in dollars per share) To Be Well Capitalized Under Prompt Corrective Action Provisions Amount [Abstract] Minimum To Be "Well Capitalized" Under Prompt Corrective Provisions Amount [Abstract] The minimum Tier One Common Equity (common equity tier 1 capital divided by risk-weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action. Tier One Risk Based Common Equity for Capital Adequacy to Risk Weighted Assets Tier 1 common equity (to risk-weighted assets) The dividend rate after four and half years. After Four-and-one Half Years [Member] The minimum amount of Tier 1 Risk Based Common Equity required for capital adequacy purposes under the regulatory framework for prompt corrective action. Tier One Risk Based Common Equity to Capital Required for Capital Adequacy Tier 1 common equity (to risk-weighted assets) The common equity tier 1 capital ratio (common equity tier 1 capital divided by risk weighted assets) required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action. Tier One Risk Based Common Equity to be Well Capitalized to Risk Weighted Assets Tier 1 common equity (to risk-weighted assets) The annual increase (decrease) in interest expense as a result of the issuance of the Subordinated Note. Annual increase (decrease) in interest expense Annual increase in interest expense For Capital Adequacy Purposes Ratio [Abstract] Minimum Capital Adequacy Purposes Ratio [Abstract] For Capital Adequacy Purposes [Abstract] Minimum Capital Adequacy Purposes Amount [Abstract] To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio [Abstract] Minimum To Be "Well Capitalized" Under Prompt Corrective Provisions Ratio [Abstract] The common equity tier 1 capital divided by risk weighted assets as defined in the regulations. Tier One Risk Based Common Equity to Risk Weighted Assets Tier 1 common equity (to risk-weighted assets) The amount of Tier 1 Risk Based Capital required to be categorized as well capitalized with buffer under the regulatory framework for prompt corrective action. Tier One Risk Based Capital Required To Be Well Capitalized with buffer Tier 1 capital (to risk-weighted assets) Tier one common equity (common equity tier 1 capital divided by risk-weighted assets) required Well-Capitalized with buffer, fully phased. Tier One Risk Based Common Equity To Be Well Capitalized With Buffer Tier 1 common equity (to risk-weighted assets) "Well-Capitalized With Buffer Amount [Abstract] "Well-Capitalized With Buffer, Fully Phased In For 2019 Amount [Abstract] Company's total financing receivables related to foreclosed residential real estate. Foreclosed Residential Real Estate [Member] Class of financing receivables related to commercial lines of credit. Commercial lines of credit [Member] Commercial Lines of Credit [Member] Class of financing receivables related to residential mortgage construction. Residential mortgage construction [Member] Residential Construction Mortgage [Member] Class of financing receivables related to unallocated financing receivables. Unallocated [Member] Preferred shares may provide a preferential dividend to the dividend on common stock and may take precedence over common stock in the event of a liquidation. Preferred shares typically represent an ownership interest in the company. Preferred Stock SBLF [Member] Tabular disclosure of allowance for credit losses account by calculation methodology method. Schedule of Allowance for Loan Losses on Basis of Calculation Methodology [Table Text Block] Schedule of Allowance for Loan Losses on Basis of Calculation Methodology Allowance for Loan Losses [Abstract] This item represents debt securities in held to maturities categorized as Collateralized mortgage obligations - US agency, Held to Maturity Securities Debt Maturities Collateralized mortgage obligations - US agency Fair Value Collateralized mortgage obligations - US agency Securities that are primarily serviced by the cash flows of a discrete pool of receivables or other financial assets for example, but not limited to, credit card receivables, car loans, recreational vehicle loans, and mobile home loans. Asset Backed Securitie [Member] Asset Backed Securities [Member] This item represents debt securities categorized as Collateralized mortgage obligations - Private label. Collateralized Mortgage Obligations Private Label Collateralized mortgage obligations - Private label This item represents debt securities categorized as Collateralized mortgage obligations - US agency. Collateralized mortgage obligations - US agency Collateralized mortgage obligations - US agency, amortized cost This item represents debt securities categorized as residential mortgage-backed US Agency. Residential Mortgage Backed US Agency Amortized Cost Residential mortgage-backed - US agency Amount of available-for-sale debt securities at cost, net of adjustments, which include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments. Aggregate of Available for Sale Securities, Debt Maturities, Amortized Cost Basis Sub-total This element represent the number of held to maturity securities in unrealized loss positions for less than twelve months. Held to Maturity, Number of securities in unrealized loss positions, less than twelve months Number of securities in unrealized loss positions, less than twelve months The net realized gain on investments sold during the period, not including gains (losses) on securities separately or otherwise categorized as trading, available-for-sale, or held-to-maturity, which, for cash flow reporting, is a component of proceeds from investing activities. Realized gains on investments sold Realized gains on investments This item represents debt securities in held to maturities categorized as Collateralized mortgage obligations - Private label. Held To Maturity Securities Debt Maturities Collateralized Mortgage Obligations Private Label Fair Value Collateralized mortgage obligations - Private label This element represent the number of held to maturity securities in unrealized loss positions for twelve months or more. Held to maturity, Number of securities in unrealized loss positions, twelve months or more Number of securities in unrealized loss positions, twelve months or more This element represent the number of held to maturity securities in unrealized loss positions. Held to Maturity, Number of securities in unrealized loss positions Number of securities in unrealized loss positions This item represents the total of all debt securities grouped by maturity dates, at fair value, which are categorized as held-to-maturity. Aggregate of Held to maturity Securities Debt Maturities, Fair Value Sub-total This item represents debt securities in held to maturities categorized as Residential mortgage-backed US agency. Held to Maturity Securities Debt Maturities Residential Mortgage Backed US Agency Fair Value Residential mortgage-backed - US agency This element refers to seven private-label mortgage-backed securities. Seven Private-Label Mortgage-Backed Securities [Member] Seven Private-Label Mortgage-Backed Securities [Member] This element refers to five private-label asset backed securities. Five Private-Label Asset - Backed Securities [Member] Five Private-Label Asset - Backed Securities [Member] Investment under secured debt book value net. Investment Securities, Book Value Investment securities, aggregate book value Number of months of unrealized loss position. Months of unrealized loss positions Months of unrealized loss positions This element represents number of securities issued in investment securities. Number of securities Number of securities This item represents the fair value of Collateralized mortgage obligations - Private label. Available For Sale Securities Debt Maturities Collateralized Mortgage Obligations Private Label Fair Value Collateralized mortgage obligations - Private label This item represents the total of all debt securities grouped by maturity dates at fair value. Aggregate of Available for Sale Securities, Debt Maturities, Fair Value Sub-total This item represents the fair value of Collateralized mortgage obligations - US agency. Available for Sale Securities Debt Maturities Collateralized mortgage obligations - US agency, fair value Collateralized mortgage obligations - US agency, fair value This item represents the total of all debt securities grouped by maturity dates at fair value. Available for sale securities debt maturities fair value, totals Available-for-sale securities, debt maturities, fair value, totals This item represents the fair value of Residential mortgage-backed US Agency. Available for Sale Securities Debt Maturities Residential Mortgage Backed US Agency Fair Value Residential mortgage-backed - US agency The category includes multiclass, pay-through securitizations collateralized by mortgages secured by assets, such as automobiles and boats, which are generally structured so that the collections of principal and interest due from the underlying debtors are paid to the holders of the CMO. Collateralized Mortgage Obligations of Private Label [Member] Collateralized Mortgage Obligations - Private Label [Member] This category includes information about ultra short mortgage funds. Mutual Funds Ultra Short Mortgage Funds [Member] This category includes information about common stock financial services industry. Mutual funds Common Stock Financial Services Industry [Member] Mutual Funds Common Stock Financial Services Industry [Member] This category includes information about large cap equity fund. Mutual Funds Large Cap Equity Fund [Member] Ownership interest or right to acquire or dispose of ownership interest in corporations and other legal entities for which ownership interest is represented by shares of common or preferred stock, convertible securities, stock rights, or stock warrants and other investments. Equity and Other Investments [Member] This item represents debt securities in held to maturities categorized as Collateralized mortgage obligations - Private label. Held To Maturity Securities Debt Maturities Collateralized Mortgage Obligations Private Label Collateralized mortgage obligations - Private label This item represents debt securities in held to maturities categorized as Collateralized mortgage obligations - US agency. Held to Maturity Securities Debt Maturities Collateralized mortgage obligations - US agency Collateralized mortgage obligations - US agency The category includes multiclass, pay-through securitizations collateralized by mortgages secured by assets, such as automobiles and boats, which are generally structured so that the collections of principal and interest due from the underlying debtors are paid to the holders of the CMO. Collateralized Mortgage Obligations Of US Agency [Member] Collateralized Mortgage Obligations - US Agency [Member] Debt instrument issued by corporations, governments and governmental agencies, municipalities, and other institutions. Major Types Of Debt Securities [Member] Major Types of Debt Securities [Member] This element represent the fair value of securities pledged to collateralize municipal deposits. Securities Pledged To Collateralize Deposit Securities pledged to collateralize deposit The net realized loss on investments sold during the period, not including gains (losses) on securities separately or otherwise categorized as trading, available-for-sale, or held-to-maturity, which, for cash flow reporting, is a component of proceeds from investing activities. Realized losses on sale of investments Realized losses on investments The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities and sale of securities that had been designated as held-to-maturity. Proceeds From Sale Of Available For Sale Securities and Held-to-maturity Securities Proceeds on sales and redemptions of securities This item represents debt securities in held to maturities categorized as Residential mortgage-backed US agency. Held to Maturity Securities Debt Maturities Residential Mortgage Backed US Agency Amortized Cost Residential mortgage-backed - US agency This element represent the fair value of securities pledged to collateralize borrowings. Securities Pledged To Collateralize Borrowing Securities pledged to collateralize borrowing Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments. Aggregate of Held to maturity Securities Debt Maturities, Carrying Amount Sub-total Represents the interest rate applicable to Federal Home Loan Bank advances due within ten years of the Balance Sheet date. Federal Home Loan Bank Advances Maturities Summary By Interest Rate Within Ten Years Interest Rate due within 10 years interest rate Represents the percentage of interest rates from lowest to highest that are applicable to Federal Home Loan Bank advances due within one year of the Balance Sheet date. Federal Home Loan Bank Advances Maturities Summary By Interest Rate Type Under One Year Interest Rate due within 1 year interest rate Represents the range of interest rates from lowest to highest that are applicable to Federal Home Loan Bank advances due within two years of the Balance Sheet date. Federal Home Loan Bank Advances Maturities Summary By Interest Rate Type Under two Year Interest Rate due within 2 years interest rate Long term debt interest rate [Abstract] The carrying value of collateral requirement associated with FHLB Stock. Carrying Value of FHLB stock Pledged Under a Blanket Collateral Agreement Carrying value of FHLB stock pledged under a blanket collateral agreement The carrying value of collateral requirement associated with residential mortgage loans. Carrying Value of Residential Mortgage Loans Pledged Under a Blanket Collateral Agreement Carrying value of residential mortgage loans pledged under a blanket collateral agreement The tabular disclosure for real estate owned (as defined). Generally, the largest component of real estate owned by lenders is assets taken in settlement of troubled loans through surrender or foreclosure. Real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. Schedule of Carrying Amount of Foreclosed Residential Real Estate Properties Held [Table Text Block] Carrying Amount of Foreclosed Residential Real Estate Properties Held Ranking officers of the entity, appointed to the position by the board of directors, people serving on the board of directors (who collectively have responsibility for governing the entity) and affiliates. Directors, Executive Officers and Affiliates [Member] Carrying value as of the balance sheet date of a capitalized servicing rights asset. Capitalized Servicing Asset at Carrying Value, Amount Capitalized servicing rights Carrying value as of the balance sheet date of unpaid principal balances of mortgage and other loans serviced for others.. Servicing Asset at Carrying Value, Amount Unpaid principal balance of mortgage and other loans Class of financing receivables related to residential mortgage.. Residential Mortgage Loans [Member] The percentage of the total loan portfolio. Percentage of Total Loan Portfolio Percentage of total loan portfolio Accumulated pretax change in accumulated gains and losses from derivative instruments designated and qualifying as the effective portion of cash flow hedges. Includes an entity's share of an equity investee's Increase or Decrease in deferred hedging gains or losses. Accumulated Other Comprehensive Income Loss Cumulative Change In Net Gain Loss From Designated Or Qualifying Cash Flow Hedges Effect Before Tax Balance as of beginning of period Balance as of end of period Accumulated Other Comprehensive Income Derivatives, Pretax [Roll Forward] The company that is being acquired or purchased in a merger or acquisition. The acquiree is also known as the "target firm". Acquired Subsidiary one [Member] Branches [Member] The company that is being acquired or purchased in a merger or acquisition. The acquiree is also known as the "target firm". Acquired Subsidiary Two [Member] Fitzgibbons Agency [Member] Tabular disclosure of cash basis income recognized on impaired loan receivables. Cash basis interest income recognized on impaired loans [Table Text Block] Cash Basis Interest Income Recognized on Impaired Loans Tabular disclosure of average recorded investment related to impaired financing receivables. Average recorded investment in impaired loans [Table Text Block] Average Recorded Investment in Impaired Loans Amount of allowance for credit losses related to recorded investment with related allowance. Impaired Financing Receivable With Related Allowance Related Allowance Related Allowance With an allowance recorded [Abstract] Amount of allowance for credit losses related to recorded investment without related allowance. Impaired Financing Receivable Without Related Allowance, Related Allowance Related Allowance With no related allowance recorded [Abstract] Total [Abstract] Element refers to threshold value financing receivable, recorded investment. Financing Receivable Recorded Investment Threshold Value Class of financing receivables related to tax exempt loans. Tax exempt loans [Member] Tax Exempt Loans [Member] Tax Exempt [Member] Class of financing receivables related to other consumer financing receivables. Other Consumer Financing Receivable [Member] Other Consumer [Member] Class of financing receivables related to 1-4 family first-lien residential mortgages. Family first lien residential mortgages 1 to 4 [Member] 1-4 Family First-Lien Residential Mortgages [Member] 1-4 Family First-Lien Residential Mortgage [Member] Class of financing receivables related to lines of credit receivables. Lines of Credit [Member] Lines of Credit [Member] Commercial Lines of Credit [Member] Class of financing receivables related to home equity and junior liens financing receivables. Home equity and junior liens [Member] Home Equity and Junior Liens [Member] Home Equity and Junior Liens [Member] Class of financing receivables related to other commercial and industrial receivables. Other Commercial and Industrial [Member] Other Commercial and Industrial [Member] Other Commercial and Industrial [Member] The entire disclosure of employee stock ownership plan. Employee Stock Ownership Plan [Text Block] EMPLOYEE STOCK OWNERSHIP PLAN EMPLOYEE STOCK OWNERSHIP PLAN [Abstract] Disclosure of accounting policy treatment of Federal Home Loan Bank (FHLB) Stock. Federal Home Loan Bank (FHLB) Stock [Policy Text Block] Federal Home Loan Bank Stock Disclosure of accounting policy for income recognition on impaired and non-accrual loans. Income Recognition on Impaired and Non-accrual Loans [Policy Text Block] Income Recognition on Impaired and Nonaccrual Loans Disclosure of accounting policy treatment of Noncontrolling Interest. Noncontrolling Interest [Policy Text Block] Noncontrolling Interest Disclosure of accounting policy for mortgage servicing rights. Mortgage Servicing Rights [Policy Text Block] Mortgage Servicing Rights Commitment to lend money under existing lines of credit to customers in good standing. Unfunded Commitments Under Lines Of Credit [Member] Commitment to lend money under unfunded commitments related to construction loans in progress. Unfunded Commitments Related to Construction Loans in Progress [Member] Unfunded Commitments Related to Construction Loans in Progress [Member] The maximum period over which the leases may be renewed. Renewal options for leases, maximum Renewal options for leases, maximum The maximum term of letters of credit. Term of letters of credit, Maximum Term of letters of credit, maximum Amount of contractual obligation, including but not limited to, long-term debt, capital lease obligations, operating lease obligations, purchase obligations, and other commitments. Loan Commitments Outstanding With Fixed Interest Rates Loan commitments outstanding with fixed interest rates Amount of contractual obligation, including but not limited to, long-term debt, capital lease obligations, operating lease obligations, purchase obligations, and other commitments. Loan Commitments, Unused Lines Of Credit and Standby Letters of Credit with Variable Interest Rates Loan commitments, unused lines of credit and standby letters of credit with variable interest rates The cash outflow for repayment of loan on cash surrender value on bank owned life insurance. Repayment of Loan on Cash Surrender Value on Bank Owned Life Insurance Repayment of loan on cash surrender value of bank owned life insurance Refers to Net cash inflow (outflow) of brokered deposits. Increase (Decrease) in Brokered Deposits Net change in brokered deposits Proceeds From Sale Of and redemptions of [Abstract] Proceeds from sales, redemptions and calls of: Operating activities earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies. Bank Owned Life Insurance Income Operating Activities Earnings and gain on bank owned life insurance This item represents the amount of gain or loss realized during the period for proceeds from life insurance policies for which the entity is the beneficiary. Realized Gain On Proceeds From Bank Owned Life Insurance Realized gain on proceeds from bank owned life insurance Value of loans transferred to foreclosed real estate in noncash transactions. Transfer of loans to foreclosed real estate Real estate acquired in exchange for loans Amount of cash paid in lieu of fractional shares per share. Cash in lieu of fractional shares Cash in lieu of fractional shares (in dollars per share) Ratio applied to the conversion of stock as part of the conversion arrangement. Common Stock Conversion of Each Share Ratio of conversion of shares Gross cash inflow from the additional capital contribution to the entity. Gross Proceeds from Issuance of Common Stock Gross offering proceeds of common stock Refers to conversion and reorganization. CONVERSION AND REORGANIZATION [Text Block] CONVERSION AND REORGANIZATION CONVERSION AND REORGANIZATION [Abstract] Gain (loss) realized on hedging activities. Realized Gains (Losses) on Hedging Activity Realized gains on hedging activity Net gain on hedging transaction Total aggregate amount of all expense. Expenses, Interest Expense and Other Operating Expenses Total expenses Equity in of undistributed earnings of subsidiaries. Equity in undistributed Earnings of Subsidiaries Equity in undistributed net income of subsidiaries Equity in undistributed net income of subsidiaries This element represents the income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses and taxes from ongoing operations before extraordinary items, before equity in undistributed earnings of subsidiaries. Income (Loss) Before Equity in Undistributed Earnings of Subsidiaries Loss before equity in undistributed net income of subsidiaries Comparables approach valuation technique used to measure fair value. Comparable Companies [Member] Foreclosed real estate holdings. Foreclosed real estate [Member] Loans classified as impaired. Impaired loans [Member] The net gain/loss resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes and the difference between the carrying value and the sale price of real estate. This element refers to the gain/loss included in earnings and not to the cash proceeds of the sale. Net losses on sales of loans and foreclosed real estate Net (losses) gains on sales of loans and foreclosed real estate This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure. This item represents the aggregate of all Junior subordinated debentures. Junior subordinated debentures fair value disclosure Subordinated loans This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure. This item represents the aggregate of all accrued interest payable. Accrued interest payable fair value disclosure Accrued interest payable This element represents the portion of the balance sheet assertion valued at fair value of accrued interest receivables. Interest receivable Fair value disclosure Accrued interest receivable Fair value disclosure of certificate of deposit or savings account held by a bank or other financial institution for a short-term specified period of time. Because of their short-term, time deposits are considered highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify under that definition Time Deposits, Fair Value Disclosure Time Deposits Total fair value disclosure of common stock equity securities are bought and held principally for the purpose of selling them during the normal operating cycle. Common stock financial services industry fair value disclosure Common stock - Financial services industry Common Stock - Financial Services Industry This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount shown on an entity's books for investments in Ultra short mortgage fund equity investment securities. Ultra short mortgage fund Fair value disclosure Ultra short mortgage fund This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount shown on an entity's books for investments in Asset backed securities investment securities. Asset Backed Securities Disclosure Asset backed securities This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount shown on an entity's books for investments in Corporate debt investment securities. Corporate Fair Value Disclosure Corporate This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents impaired loans as presented on the statement of financial position which may include mortgage loans, finance receivables, or any other impaired loans which are due to the Company as of the balance sheet date. Impaired loans Fair Value disclosure Impaired loans This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This element represents the fair value of foreclosed assets categorized as other which are not in and of themselves material enough to require separate disclosure. Foreclosed real estate Fair Value disclosure Foreclosed real estate Nonrecurring basis [Abstract] Nonrecurring basis [Abstract] This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount shown on an entity's books for investments in large cap equity funds. Large cap equity fund fair value disclosure Large cap equity fund Mutual funds: [Abstract] Mutual funds [Abstract] Equity investment securities: [Abstract] Equity investment securities [Abstract] This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount shown on an entity's books for investments in residential mortgage backed agencies debt investment securities. Residential mortgage backed agency fair Value Disclosure Residential mortgage-backed - US agency This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount shown on an entity's books for investments in collateralized mortgage obligations private label investment securities. Collateralized Mortgage Obligations Private Label Fair Value Disclosure Collateralized mortgage obligations - Private label This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount shown on an entity's books for investments in collateralized mortgage obligations agencies debt investment securities. Collateralized Mortgage Obligations Agency Fair Value Disclosure Collateralized mortgage obligations - US agency This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount shown on an entity's books for investments in State and political subdivisions debt investment securities. State and political subdivisions Fair value Disclosure State and political subdivisions This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount shown on an entity's books for investments in US Treasury, agencies and GSEs debt investment securities. US Treasury agencies and GSEs Fair Value disclosure US Treasury agencies and GSEs Refers to common stock equity securities bought and held from the secondary market. Purchase of Common Stock of Financial Services Industry Purchase of common stock Debt investment securities: [Abstract] Debt investment securities [Abstract] EX-101.PRE 10 pbhc-20161231_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE GRAPHIC 11 logo.jpg begin 644 logo.jpg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end XML 12 R1.htm IDEA: XBRL DOCUMENT v3.7.0.1
Document and Entity Information - USD ($)
$ in Millions
 12 Months Ended
Dec. 31, 2016
Mar. 15, 2017
Jun. 30, 2016
Document and Entity Information [Abstract]      
Entity Registrant Name Pathfinder Bancorp, Inc.    
Entity Central Index Key 0001609065    
Current Fiscal Year End Date --12-31    
Entity Well-known Seasoned Issuer No    
Entity Voluntary Filers No    
Entity Current Reporting Status Yes    
Entity Filer Category Smaller Reporting Company    
Entity Public Float     $ 49.0
Entity Common Stock, Shares Outstanding   4,246,980  
Document Fiscal Year Focus 2016    
Document Fiscal Period Focus FY    
Document Type 10-K    
Amendment Flag false    
Document Period End Date Dec. 31, 2016    

XML 13 R2.htm IDEA: XBRL DOCUMENT v3.7.0.1
Consolidated Statements of Condition - USD ($)
$ in Thousands
Dec. 31, 2016
Dec. 31, 2015
ASSETS:    
Cash and due from banks $ 6,968 $ 9,624
Interest earning deposits 15,451 5,621
Total cash and cash equivalents 22,419 15,245
Available-for-sale securities, at fair value 141,955 98,942
Held-to-maturity securities, at amortized cost (fair value of $54,429 and $45,515, respectively) 54,645 44,297
Federal Home Loan Bank stock, at cost 3,250 2,424
Loans 492,147 430,438
Less: Allowance for loan losses 6,247 5,706
Loans receivable, net 485,900 424,732
Premises and equipment, net 15,177 14,834
Accrued interest receivable 2,532 2,053
Foreclosed real estate 597 517
Intangible assets, net 198 214
Goodwill 4,536 4,536
Bank owned life insurance 11,458 10,615
Other assets 6,367 4,845
Total assets 749,034 623,254
Deposits:    
Interest-bearing 535,701 428,636
Noninterest-bearing 75,282 61,679
Total deposits 610,983 490,315
Short-term borrowings 41,947 24,800
Long-term borrowings 17,000 16,500
Subordinated loans 15,025 14,991
Accrued interest payable 75 199
Other liabilities 5,643 5,220
Total liabilities 690,673 552,025
Shareholders' equity:    
Preferred stock - SBLF, par value $0.01 per share; $1,000 liquidation preference; 13,000 shares authorized; 0 shares and 13,000 shares issued and outstanding, respectively 0 13,000
Common stock, par value $0.01; 25,000,000 authorized shares; 4,236,744 and 4,353,850 shares outstanding, respectively 43 44
Additional paid in capital 27,483 28,717
Retained earnings 35,619 33,183
Accumulated other comprehensive loss (3,822) (2,565)
Unearned ESOP (1,394) (1,574)
Total Pathfinder Bancorp, Inc. shareholders' equity 57,929 70,805
Noncontrolling interest 432 424
Total equity 58,361 71,229
Total liabilities and shareholders' equity $ 749,034 $ 623,254
XML 14 R3.htm IDEA: XBRL DOCUMENT v3.7.0.1
Consolidated Statements of Condition (Parenthetical) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
ASSETS:    
Held-to-maturity securities at fair value $ 54,429,000 $ 45,515,000
Shareholders' equity:    
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 outstanding (in shares) 4,236,744 4,353,850
Preferred Stock SBLF [Member]    
Shareholders' equity:    
Preferred stock, par value (in dollars per share) $ 0.01 $ 0.01
Preferred stock, liquidation preference $ 1,000 $ 1,000
Preferred stock, shares authorized (in shares) 13,000 13,000
Preferred stock, shares issued (in shares) 0 13,000
Preferred stock, shares outstanding (in shares) 0 13,000
XML 15 R4.htm IDEA: XBRL DOCUMENT v3.7.0.1
Consolidated Statements of Income - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Interest and dividend income:    
Loans, including fees $ 20,703 $ 18,450
Debt securities:    
Taxable 2,360 2,012
Tax-exempt 832 763
Dividends 134 178
Federal funds sold and interest earning deposits 64 21
Total interest income 24,093 21,424
Interest expense:    
Interest on deposits 2,441 1,962
Interest on short-term borrowings 301 138
Interest on long-term borrowings 270 257
Interest on subordinated loans 792 300
Total interest expense 3,804 2,657
Net interest income 20,289 18,767
Provision for loan losses 953 1,349
Net interest income after provision for loan losses 19,336 17,418
Noninterest income:    
Service charges on deposit accounts 1,141 1,155
Earnings and gain on bank owned life insurance 307 401
Loan servicing fees 138 233
Net gains on sales and redemptions of investment securities 594 422
Net (losses) gains on sales of loans and foreclosed real estate (40) 34
Debit card interchange fees 557 530
Other charges, commissions & fees 1,486 1,397
Total noninterest income 4,183 4,172
Noninterest expense:    
Salaries and employee benefits 10,772 9,687
Building occupancy 1,936 1,921
Data processing 1,682 1,609
Professional and other services 834 859
Advertising 730 518
FDIC assessments 345 408
Audits and exams 329 268
Other expenses 2,482 2,317
Total noninterest expenses 19,110 17,587
Income before income taxes 4,409 4,003
Provision for income taxes 1,111 1,071
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc. 3,298 2,932
Net income attributable to noncontrolling interest 26 43
Net income attributable to Pathfinder Bancorp Inc. 3,272 2,889
Preferred stock dividends 16 130
Net income available to common shareholders $ 3,256 $ 2,759
Earnings per common share - basic (in dollars per share) $ 0.79 $ 0.67
Earnings per common share - diluted (in dollars per share) 0.78 0.66
Dividends per common share (in dollars per share) $ 0.20 $ 0.16
XML 16 R5.htm IDEA: XBRL DOCUMENT v3.7.0.1
Consolidated Statements of Comprehensive Income - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Consolidated Statements of Comprehensive Income [Abstract]    
Net income $ 3,298 $ 2,932
Retirement Plans:    
Retirement plan net losses recognized in plan expenses 222 185
Plan gains (losses) not recognized in plan expenses 330 (267)
Net unrealized gain (loss) on retirement plans 552 (82)
Unrealized holding gains on financial derivative:    
Change in unrealized holding gains (losses) on financial derivative 2 (6)
Reclassification adjustment for interest expense included in net income 25 61
Net unrealized gain on financial derivative 27 55
Unrealized holding losses on available for sale securities    
Unrealized holding losses arising during the period (2,394) (425)
Reclassification adjustment for net gains included in net income (594) (422)
Net unrealized loss on available for sale securities (2,988) (847)
Accretion of net unrealized loss on securities transferred to held-to-maturity [1] 316 131
Other comprehensive income, before tax (2,093) (743)
Tax effect 836 297
Other comprehensive loss, net of tax (1,257) (446)
Comprehensive income 2,041 2,486
Comprehensive income attributable to noncontrolling interest 26 43
Comprehensive income attributable to Pathfinder Bancorp, Inc. 2,015 2,443
Tax Effect Allocated to Each Component of Other Comprehensive Loss    
Retirement plan net losses recognized in plan expenses (87) (74)
Plan gains (losses) not recognized in plan expenses (134) 106
Change in unrealized holding gains (losses) on financial derivative (1) 2
Reclassification adjustment for interest expense included in net income (10) (24)
Unrealized holding losses arising during the period 958 170
Reclassification adjustment for net gains included in net income 236 169
Accretion of net unrealized loss on securities transferred to held-to-maturity [1] (126) (52)
Income tax effect related to other comprehensive income $ 836 $ 297
[1] The accretion of the unrealized holding losses in accumulated other comprehensive loss at the date of transfer at September 30, 2013 partially offsets the amortization of the difference between the par value and the fair value of the investment securities at the date of transfer, and is an adjustment of yield.
XML 17 R6.htm IDEA: XBRL DOCUMENT v3.7.0.1
Consolidated Statements of Changes in Shareholder's Equity - USD ($)
$ in Thousands
Preferred Stock [Member]
Common Stock [Member]
Additional Paid in Capital [Member]
Retained Earnings [Member]
Accumulated Other Comprehensive Loss [Member]
Unearned ESOP [Member]
Non-controlling Interest [Member]
Total
Balance at Dec. 31, 2014 $ 13,000 $ 44 $ 28,534 $ 31,085 $ (2,119) $ (1,754) $ 414 $ 69,204
Net income 0 0 0 2,889 0 0 43 2,932
Other comprehensive loss, net of tax 0 0 0 0 (446) 0 0 (446)
Preferred stock dividends - SBLF 0 0 0 (130) 0 0 0 (130)
ESOP shares earned 0 0 89 0 0 180 0 269
Stock based compensation 0 0 85 0 0 0 0 85
Stock options exercised 0 0 9 0 0 0 0 9
Common stock dividends declared 0 0 0 (661) 0 0 0 (661)
Distributions from affiliates 0 0 0 0 0 0 (33) (33)
Balance at Dec. 31, 2015 13,000 44 28,717 33,183 (2,565) (1,574) 424 71,229
Net income 0 0 0 3,272 0 0 26 3,298
Other comprehensive loss, net of tax 0 0 0 0 (1,257) 0 0 (1,257)
Preferred stock, redemption (13,000) 0 0 0 0 0 0 (13,000)
Preferred stock dividends - SBLF 0 0 0 (16) 0 0 0 (16)
ESOP shares earned 0 0 113 0 0 180 0 293
Stock based compensation 0 0 264 0 0 0 0 264
Stock options exercised 0 0 143 0 0 0 0 143
Purchase of common stock shares 0 (1) (1,754) 0 0 0 0 (1,755)
Common stock dividends declared 0 0 0 (820) 0 0 0 (820)
Distributions from affiliates 0 0 0 0 0 0 (18) (18)
Balance at Dec. 31, 2016 $ 0 $ 43 $ 27,483 $ 35,619 $ (3,822) $ (1,394) $ 432 $ 58,361
XML 18 R7.htm IDEA: XBRL DOCUMENT v3.7.0.1
Consolidated Statements of Changes in Shareholder's Equity (Parenthetical) - $ / shares
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Consolidated Statements of Changes in Shareholder's Equity [Abstract]    
Preferred stock redemption (in shares) 13,000  
ESOP shares earned (in shares) 24,442 24,442
Purchase of common stock shares (in shares) 143,400  
Common stock dividends declared (in dollars per share) $ 0.20 $ 0.16
XML 19 R8.htm IDEA: XBRL DOCUMENT v3.7.0.1
Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
OPERATING ACTIVITIES    
Net income attributable to Pathfinder Bancorp, Inc. $ 3,272 $ 2,889
Adjustments to reconcile net income to net cash flows from operating activities:    
Provision for loan losses 953 1,349
Deferred income tax (benefit) expense (249) 116
Proceeds from sales of loans 202 69
Originations of loans held-for-sale (197) (68)
Realized losses (gains) on sales, redemptions and calls of:    
Real estate acquired through foreclosure 50 (1)
Loans (10) (33)
Available-for-sale investment securities (456) (422)
Held-to-maturity investment securities (53) 0
Depreciation 1,019 998
Amortization of mortgage servicing rights 12 14
Amortization of deferred loan costs 222 170
Amortization of deferred financing from subordinated loan 34 0
Earnings and gain on bank owned life insurance (307) (259)
Realized gain on proceeds from bank owned life insurance 0 (142)
Net amortization of premiums and discounts on investment securities 1,211 865
Amortization of intangible assets 16 16
Stock based compensation and ESOP expense 557 354
Net change in accrued interest receivable (479) (204)
Net change in other assets and liabilities 574 600
Net cash flows from operating activities 6,371 6,311
INVESTING ACTIVITIES    
Purchase of investment securities available-for-sale (145,264) (67,634)
Purchase of investment securities held-to-maturity (16,859) (6,317)
Net (purchases of) proceeds from Federal Home Loan Bank stock (826) 1,030
Proceeds from maturities and principal reductions of investment securities available-for-sale 68,506 30,420
Proceeds from maturities and principal reductions of investment securities held-to-maturity 3,659 2,903
Proceeds from sales, redemptions and calls of:    
Available-for-sale investment securities 30,228 25,180
Held-to-maturity investment securities 3,000 0
Real estate acquired through foreclosure 279 432
Realized gains on hedging activity (85) 0
Acquisition of insurance agency 0 (225)
Proceeds from bank owned life insurance 0 142
Net change in loans (62,733) (44,784)
Purchase of premises and equipment (1,362) (2,632)
Net cash flows from investing activities (121,457) (61,485)
FINANCING ACTIVITIES    
Net change in demand deposits, NOW accounts, savings accounts, money management deposit accounts, MMDA accounts and escrow deposits 57,830 80,850
Net change in time deposits 28,594 9,936
Net change in brokered deposits 34,244 (16,039)
Net change in short-term borrowings 17,147 (30,300)
Payments on long-term borrowings (3,000) (13,000)
Proceeds from long-term borrowings 3,500 18,500
Proceeds from subordinated loans 0 9,836
Repayment of loan on cash surrender value of bank owned life insurance (536) 0
Redemption of preferred stock - SBLF (13,000) 0
Purchase of common stock (1,755) 0
Proceeds from exercise of stock options 143 9
Cash dividends paid to preferred shareholder - SBLF (49) (130)
Cash dividends paid to common shareholders (866) (609)
Change in noncontrolling interest, net 8 10
Net cash flows from financing activities 122,260 59,063
Change in cash and cash equivalents 7,174 3,889
Cash and cash equivalents at beginning of period 15,245 11,356
Cash and cash equivalents at end of period 22,419 15,245
CASH PAID DURING THE PERIOD FOR:    
Interest 3,928 2,521
Income taxes 970 1,237
NON-CASH INVESTING ACTIVITY    
Real estate acquired in exchange for loans $ 390 $ 722
XML 20 R9.htm IDEA: XBRL DOCUMENT v3.7.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
 12 Months Ended
Dec. 31, 2016
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]  
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
NOTE 1: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Nature of Operations

The accompanying consolidated financial statements include the accounts of Pathfinder Bancorp, Inc. (the "Company") and its wholly owned subsidiary, Pathfinder Bank (the "Bank"). The Company is a Maryland corporation headquartered in Oswego, New York. On October 16, 2014, the Company completed its conversion from the mutual holding company structure and the related public offering and is now a stock holding company that is fully owned by the public.  As a result of the conversion, the mutual holding company and former mid-tier holding company were merged into Pathfinder Bancorp, Inc. The primary business of the Company is its investment in Pathfinder Bank (the "Bank") which is 100% owned by the Company.  The Company sold 2,636,053 shares of common stock in the offering, including 105,442 shares sold to the Pathfinder Bank employee stock ownership plan ("ESOP").  All shares were sold at a price of $10.00 per share raising $26.4 million in gross proceeds.  Additionally, $197,000 in cash was received from the merger of MHC into the company; and after accounting for conversion related expenses of $1.5 million, the Company received $24.9 million in net proceeds.  Concurrent with the completion of the offering, publicly owned shares of Pathfinder Bancorp, Inc., a federal corporation, were exchanged for 1.6472 shares of the Company's common stock. At December 31, 2016, 4,236,744 shares of common stock were outstanding. The Bank has three wholly owned operating subsidiaries, Pathfinder Risk Management Company, Inc. ("PRMC"), Pathfinder REIT, Inc. and Whispering Oaks Development Corp. All significant inter-company accounts and activity have been eliminated in consolidation.  Although the Company owns, through its subsidiary PRMC, 51% of the membership interest in FitzGibbons Agency, LLC ("FitzGibbons"), the Company is required to consolidate 100% of FitzGibbons within the consolidated financial statements.  The 49% of which the Company does not own is accounted for separately as noncontrolling interests within the consolidated financial statements.

The Company has seven offices located in Oswego County and two offices in Onondaga County.  The Company is primarily engaged in the business of attracting deposits from the general public in the Company's market area, and investing such deposits, together with other sources of funds, in loans secured by commercial real estate, business assets, one-to-four family residential real estate and investment securities.

Use of Estimates in the Preparation of Consolidated Financial Statements

The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.  Management has identified the allowance for loan losses, deferred income taxes, pension obligations, the annual evaluation of the Company's goodwill for possible impairment and the evaluation of investment securities for other than temporary impairment and the estimation of fair values for accounting and disclosure purposes to be the accounting areas that require the most subjective and complex judgments, and as such, could be the most subject to revision as new information becomes available.

The Company is subject to the regulations of various governmental agencies.  The Company also undergoes periodic examinations by the regulatory agencies which may subject it to further changes with respect to asset valuations, amounts of required loss allowances, and operating restrictions resulting from the regulators' judgments based on information available to them at the time of their examinations.

Significant Group Concentrations of Credit Risk

Most of the Company's activities are with customers located primarily in Oswego and Onondaga counties of New York State.  A large portion of the Company's portfolio is centered in residential and commercial real estate.  The Company closely monitors real estate collateral values and requires additional reviews of commercial real estate appraisals by a qualified third party for commercial real estate loans in excess of $400,000.  All residential loan appraisals are reviewed by an individual or third party who is independent of the loan origination or approval process and was not involved in the approval of appraisers or selection of the appraiser for the transaction, and has no direct or indirect interest, financial or otherwise in the property or the transaction.  Note 4 discusses the types of securities that the Company invests in.  Note 5 discusses the types of lending that the Company engages in.  The Company does not have any significant concentrations to any one industry or customer.
 
Advertising

The Company follows the policy of charging the costs of advertising to expense as incurred.

Noncontrolling Interest

Noncontrolling interest represents the portion of ownership and profit or loss that is attributable to the minority owners of the FitzGibbons Agency.

Cash and Cash Equivalents

Cash and cash equivalents include cash on hand, amounts due from banks and interest-bearing deposits (with original maturity of three months or less).

Investment Securities

The Company classifies investment securities as either available-for-sale or held-to-maturity.  The Company does not hold any securities considered to be trading.  Available-for-sale securities are reported at fair value, with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of the applicable income tax effect.  Held-to-maturity securities are those that the Company has the ability and intent to hold until maturity and are reported at amortized cost.

Gains or losses on investment security transactions are based on the amortized cost of the specific securities sold.  Premiums and discounts on securities are amortized and accreted into income using the interest method over the period to maturity.

Note 4 to the consolidated financial statements includes additional information about the Company's accounting policies with respect to the impairment of investment securities.

Federal Home Loan Bank Stock

Federal law requires a member institution of the Federal Home Loan Bank ("FHLB") system to hold stock of its district FHLB according to a predetermined formula.  The stock is carried at cost.

Transfers of Financial Assets

Transfers of financial assets, including sales of loans and loan participations, are accounted for as sales when control over the assets has been surrendered.  Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Loans

The Company grants mortgage, commercial, municipal, and consumer loans to customers.  Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are stated at their outstanding unpaid principal balances, less the allowance for loan losses plus net deferred loan origination costs. The ability of the Company's debtors to honor their contracts is dependent upon the real estate and general economic conditions in the market area.  Interest income is generally recognized when income is earned using the interest method. Nonrefundable loan fees received and related direct origination costs incurred are deferred and amortized over the life of the loan using the interest method, resulting in a constant effective yield over the loan term. Deferred fees are recognized into income and deferred costs are charged to income immediately upon prepayment of the related loan.

The loans receivable portfolio is segmented into residential mortgage, commercial and consumer loans.  The residential mortgage segment consists of one-to-four family first-lien residential mortgages and construction loans.  Commercial loans consist of the following classes: real estate, lines of credit, other commercial and industrial, and tax-exempt loans.  Consumer loans include both home equity lines of credit and loans with junior liens and other consumer loans.

Allowance for Loan Losses

The allowance for loan losses represents management's estimate of losses inherent in the loan portfolio as of the date of the statement of condition and it is recorded as a reduction of loans.  The allowance is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries.  Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance.  All, or part, of the principal balance of loans receivable are charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely.  Non-residential consumer loans are generally charged off no later than 120 days past due on a contractual basis, unless productive collection efforts are providing results.  Consumer loans may be charged off earlier in the event of bankruptcy, or if there is an amount that is deemed uncollectible.  No portion of the allowance for loan losses is restricted to any individual loan product and the entire allowance is available to absorb any and all loan losses.

The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated.  Management performs a quarterly evaluation of the adequacy of the allowance.  The allowance is based on three major components which are; specific components for larger loans, recent historical losses and several qualitative factors applied to a general pool of loans, and an unallocated component.

The first component is the specific component that relates to loans that are classified as impaired.  For these loans, an allowance is established when the discounted cash flows or collateral value of the impaired loan is lower than the carrying value of that loan.

The second or general component covers pools of loans, by loan class, not considered impaired, smaller balance homogeneous loans, such as residential real estate, home equity and other consumer loans.  These pools of loans are evaluated for loss exposure first based on historical loss rates for each of these categories of loans. The ratio of net charge-offs to loan outstandings within each product class, over the most recent eight quarters, lagged by one quarter, is used to generate the historical loss rates.  In addition, qualitative factors are added to the historical loss rates in arriving at the total allowance for loan loss need for this general pool of loans.  The qualitative factors include changes in national and local economic trends, the rate of growth in the portfolio, trends of delinquencies and nonaccrual balances, changes in loan policy, and changes in lending management experience and related staffing.  Each factor is assigned a value to reflect improving, stable or declining conditions based on management's best judgment using relevant information available at the time of the evaluation.  These qualitative factors, applied to each product class, make the evaluation inherently subjective, as it requires material estimates that may be susceptible to significant revision as more information becomes available.  Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for loan loss analysis and calculation. 
 
The third or unallocated component is maintained to cover uncertainties that could affect management's estimate of probable losses.  The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio and generally comprises less than 10% of the total allowance for loan loss.

A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due.  Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and shortfalls on a case-by case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length and reason for the delay, the borrower's prior payment record and the amount of shortfall in relation to what is owed.  Impairment is measured by either the present value of the expected future cash flows discounted at the loan's effective interest rate or the fair value of the underlying collateral if the loan is collateral dependent.  The majority of the Company's loans utilize the fair value of the underlying collateral.

An allowance for loan loss is established for an impaired loan if its carrying value exceeds its estimated fair value.  The estimated fair values of substantially all of the Company's impaired loans are measured based on the estimated fair value of the loan's collateral.  For loans secured by real estate, estimated fair values are determined primarily through third-party appraisals, less costs to sell.  Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value.  The discounts also include estimated costs to sell the property.

For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower's financial statements, inventory reports, accounts receivable agings or equipment appraisals or invoices.  Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets.

Large groups of homogeneous loans are collectively evaluated for impairment.  Accordingly, the Company does not separately identify individual residential mortgage loans less than $300,000, home equity and other consumer loans for impairment disclosures, unless such loans are related to borrowers with impaired commercial loans or they are subject to a troubled debt restructuring agreement.  Loans that are related to borrowers with impaired commercial loans or are subject to a troubled debt restructuring agreement are evaluated individually for impairment. .

Commercial loans whose terms are modified are classified as troubled debt restructurings if the Company grants such borrowers concessions and it is deemed that those borrowers are experiencing financial difficulty.  Concessions granted under a troubled debt restructuring generally include but are not limited to a temporary reduction in the interest rate or an extension of a loan's stated maturity date.  Commercial loans classified as troubled debt restructurings are designated as impaired and evaluated individually as discussed above.

The allowance calculation methodology includes further segregation of loan classes into risk rating categories.  The borrower's overall financial condition, repayment sources, guarantors and value of the collateral, if appropriate, are evaluated not less than annually for commercial loans or when credit deficiencies arise on all loans.  Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss.  See Note 5 for a description of these regulatory classifications.

In addition, Federal and State regulatory agencies, as an integral part of their examination process, periodically review the Company's allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management.  Based on management's comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate.
 
Income Recognition on Impaired and Nonaccrual Loans

For all classes of loans receivable, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing.  A loan may remain on accrual status if it is either well secured or guaranteed and in the process of collection.  When a loan is placed on nonaccrual status, unpaid interest is reversed and charged to interest income.  Interest received on nonaccrual loans, including impaired loans, generally is either applied against principal or reported as interest income, according to management's judgment as to the collectability of principal.  Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time, generally six months, and the ultimate collectability of the total contractual principal and interest is no longer in doubt.  Nonaccrual troubled debt restructurings are restored to accrual status if principal and interest payments, under the modified terms, are current for six consecutive months after modification.

For nonaccrual loans, when future collectability of the recorded loan balance is expected, interest income may be recognized on a cash basis. In the case where a nonaccrual loan had been partially charged off, recognition of interest on a cash basis is limited to that which would have been recognized on the recorded loan balance at the contractual interest rate. Cash interest receipts in excess of that amount are recorded as recoveries to the allowance for loan losses until prior charge-offs have been fully recovered.

Off-Balance Sheet Credit Related Financial Instruments

In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under standby letters of credit.  Such financial instruments are recorded when they are funded.

Premises and Equipment

Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed on a straight-line basis over the estimated useful lives of the related assets, ranging up to 40 years for premises and 10 years for equipment. Maintenance and repairs are charged to operating expenses as incurred.  The asset cost and accumulated depreciation are removed from the accounts for assets sold or retired and any resulting gain or loss is included in the determination of income.

Foreclosed Real Estate

Physical possession of residential real estate property collateralizing a residential mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrower conveys all interest in the property to satisfy the loan through completion of a deed-in-lieu of foreclosure or through a similar legal agreement.  Properties acquired through foreclosure, or by deed-in-lieu of foreclosure, are recorded at their fair value less estimated costs to sell.  Fair value is typically determined based on evaluations by third parties.  Costs incurred in connection with preparing the foreclosed real estate for disposition are capitalized to the extent that they enhance the overall fair value of the property. Any write-downs on the asset's fair value less costs to sell at the date of acquisition are charged to the allowance for loan losses.  Subsequent write downs and expenses of foreclosed real estate are included as a valuation allowance and recorded in noninterest expense.

Goodwill and Intangible Assets

Goodwill represents the excess cost of an acquisition over the fair value of the net assets acquired.  Goodwill is not amortized, but is evaluated annually for impairment.  Intangible assets, such as customer relationships, are amortized over their useful lives, generally 15 years.
 
Mortgage Servicing Rights

Originated mortgage servicing rights are recorded at their fair value at the time of transfer of the related loans and are amortized in proportion to, and over the period of, estimated net servicing income or loss.  The carrying value of the originated mortgage servicing rights is periodically evaluated for impairment or between annual evaluations under certain circumstances.

Stock-Based Compensation

Compensation costs related to share-based payment transactions are recognized based on the grant-date fair value of the stock-based compensation issued. Compensation costs are recognized over the period that an employee provides service in exchange for the award.  Compensation costs related to the Employee Stock Ownership Plan are dependent upon the average stock price and the shares committed to be released to plan participants through the period in which income is reported.

Retirement Benefits

The Company has a non-contributory defined benefit pension plan that covered substantially all employees. On May 14, 2012, the Company informed its employees of its decision to freeze participation and benefit accruals under the plan, primarily to reduce some of the volatility in earnings that can accompany the maintenance of a defined benefit plan.  The plan was frozen on June 30, 2012.  Compensation earned by employees up to June 30, 2012 is used for purposes of calculating benefits under the plan but there will be no future benefit accruals after this date.  Participants as of June 30, 2012 will continue to earn vesting credit with respect to their frozen accrued benefits as they continue to work. Pension expense under these plans is charged to current operations and consists of several components of net pension cost based on various actuarial assumptions regarding future experience under the plans.

Gains and losses, prior service costs and credits, and any remaining transition amounts that have not yet been recognized through net periodic benefit cost are recognized in accumulated other comprehensive loss, net of tax effects, until they are amortized as a component of net periodic cost.  Plan assets and obligations are measured as of the Company's statement of condition date.

The Company has unfunded deferred compensation and supplemental executive retirement plans for selected current and former employees and officers that provide benefits that cannot be paid from a qualified retirement plan due to Internal Revenue Code restrictions. These plans are nonqualified under the Internal Revenue Code, and assets used to fund benefit payments are not segregated from other assets of the Company, therefore, in general, a participant's or beneficiary's claim to benefits under these plans is as a general creditor.

The Bank sponsors an Employee Stock Ownership Plan ("ESOP") covering substantially all full time employees.  The cost of shares issued to the ESOP but not committed to be released to the participants is presented in the consolidated statement of condition as a reduction of shareholders' equity.  ESOP shares are released to the participants on an annual basis in accordance with a predetermined schedule.  The Company records ESOP compensation expense based on the shares committed to be released and allocated to the participant's accounts multiplied by the average share price of the Company's stock over the period.  Dividends related to unallocated shares are recorded as compensation expense.

Derivative Financial Instruments 

Derivatives are recorded on the statement of condition as assets and liabilities measured at their fair value. The accounting for increases and decreases in the value of derivatives depends upon the use of derivatives and whether the derivatives qualify for hedge accounting.  The Company currently has one interest rate swap, which has been determined to be a cash flow hedge.  The fair value of cash-flow hedging instruments ("Cash Flow Hedge") is recorded in either other assets or other liabilities. On an ongoing basis, the statement of condition is adjusted to reflect the then current fair value of the Cash Flow Hedge. The related gains or losses are reported in other comprehensive income (loss) and are subsequently reclassified into earnings, as a yield adjustment in the same period in which the related interest on the hedged item (primarily a variable-rate debt obligation) affects earnings. To the extent that the Cash Flow Hedge is not effective, the ineffective portion of the Cash Flow Hedge is immediately recognized as interest expense.
 
As a hedge against rising short-term interest rates, the Company sold a U.S. Treasury security in the amount of $25 million during the fourth quarter of 2016.  The Company was in controlling possession of, but did not own, the security which had been received as collateral, under an industry-standard repurchase agreement, for a 30-day no interest loan of approximately $25 million to an unrelated third party. The sale of this security provided the funds necessary to advance the loan to the third party and placed the Company in what is generally described as a "short position" with respect to the sold U.S. Treasury security. This transaction acted as a hedge against rising short-term interest rates because the price of the security would be expected to decline in a rising short-term interest rate environment and could be subsequently re-acquired at the conclusion of the 30-day loan period at a price lower than the price at which it was originally sold.  Short-term rates rose during the 30-day loan period and, consequently, the Company recognized a gain on the sale of securities in the amount of $85,000 and a tax benefit of $34,000 when the Treasury security was repurchased.  The tax benefit arose from the reversal of reserves established in prior years against the Company's deferred tax asset position as the transaction gain was characterized as a capital gain for tax purposes.  This capital gain was essentially tax free to the Company as the result of the utilization of existing, previously reserved-for, capital loss tax carryforwards that were established in 2011 and 2013. The recognized tax benefit reduced the Company's effective tax rate from what would have been 26.6% to 25.2% in 2016.  The gain income and the recognized tax benefits derived from this transaction were partially offset by an additional $54,000 in after-tax interest expense that increased interest expense and therefore reduced pretax net interest margin by $82,000 in the fourth quarter of 2016.  In total, after-tax net income was increased by approximately $65,000 during the fourth quarter of 2016 as a result of this transaction. Prior to the commencement of this transaction, the Company incurred consulting and placement fees of $59,000, of which $53,000 has been recorded on the Company's Consolidated Statements of Condition as deferred fees. These deferred fees will be recognized ratably as interest expense on the occasions that this hedging position is reestablished in future periods.  The hedge position was closed on December 23, 2016 and, other than the deferred fees of $53,000 discussed above, had no effect on the Company's consolidated financial condition at December 31, 2016.

Income Taxes

Provisions for income taxes are based on taxes currently payable or refundable and deferred income taxes on temporary differences between the tax basis of assets and liabilities and their reported amounts in the consolidated financial statements. Deferred tax assets and liabilities are reported in the consolidated financial statements at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized or settled.

Earnings Per Share

Basic earnings per common share are computed by dividing net income, after preferred stock dividends and preferred stock discount accretion, by the weighted average number of common shares outstanding throughout each year.  Diluted earnings per share gives effect to weighted average shares that would be outstanding assuming the exercise of issued stock options and warrants using the treasury stock method.  Unallocated shares of the Company's ESOP plan are not included when computing earnings per share until they are committed to be released.

Segment Reporting

The Company has evaluated the activities relating to its strategic business units.  The controlling interest in the FitzGibbons Agency is dissimilar in nature and management when compared to the Company's other strategic business units which are judged to be similar in nature and management.  The Company has determined that the FitzGibbons Agency is below the reporting threshold in size in accordance with Accounting Standards Codification 280.  Accordingly, the Company has determined it has no reportable segments.
 
Comprehensive Income (Loss)

Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income.  Although certain changes in assets and liabilities are reported as a separate component of the equity section of the statement of condition, such items, along with net income, are components of comprehensive income. 

Accumulated other comprehensive loss represents the sum of these items, with the exception of net income, as of the balance sheet date and is represented in the table below.
 
  
As of December 31,
 
Accumulated Other Comprehensive Loss By Component:
 
2016
  
2015
 
Unrealized loss for pension and other postretirement obligations
 
$
(2,520
)
 
$
(3,073
)
Tax effect
  
1,007
   
1,229
 
Net unrealized loss for pension and other postretirement obligations
  
(1,513
)
  
(1,844
)
Unrealized loss on financial derivative instruments used in cash flow hedging relationships
  
-
   
(27
)
Tax effect
  
-
   
11
 
Net unrealized loss on financial derivative instruments used in cash flow hedging relationships
  
-
   
(16
)
Unrealized loss on available-for-sale securities
  
(3,072
)
  
(85
)
Tax effect
  
1,227
   
34
 
Net unrealized loss on available-for-sale securities
  
(1,845
)
  
(51
)
Unrealized loss on securities transferred to held-to-maturity
  
(774
)
  
(1,090
)
Tax effect
  
310
   
436
 
Net unrealized loss on securities transferred to held-to-maturity
  
(464
)
  
(654
)
Accumulated other comprehensive loss
 
$
(3,822
)
 
$
(2,565
)

Reclassifications

Certain amounts in the 2015 consolidated financial statements have been reclassified to conform to the current year presentation.  These reclassifications had no effect on net income as previously reported.
XML 21 R10.htm IDEA: XBRL DOCUMENT v3.7.0.1
NEW ACCOUNTING PRONOUNCEMENTS
 12 Months Ended
Dec. 31, 2016
NEW ACCOUNTING PRONOUNCEMENTS [Abstract]  
NEW ACCOUNTING PRONOUNCEMENTS
NOTE 2:  NEW ACCOUNTING PRONOUNCEMENTS 

ASU 2016-18, Statement of Cash Flows (Topic 230): Restricted Cash (a consensus of the FASB Emerging Issues Task Force).  This guidance amended the requirements for the presentation of restricted cash in the statement of cash flows.   The guidance requires that restricted cash and restricted cash equivalents be included with cash and cash equivalents when reconciling the beginning-of-period and end-of-period total amounts showed on the statement of cash flows.  In addition, when cash, cash equivalents, and restricted cash or cash equivalents are presented on  more than one line item within the statement of financial position, the line items and amounts must be presented on the face of the statement of cash flows or disclosed in the notes to the financial statements.  Information about the nature of restrictions on an entity's cash and cash equivalents must also be disclosed.  The guidance is effective for annual periods and interim periods within those annual periods beginning after December 15, 2017, using a retrospective method. The Company is evaluating the impact of the guidance may have on the presentation of its consolidated future cash flows.

ASU 2017-01, Business Combinations (Topic 805), Clarifying the Definition of a Business.  This new guidance clarifies the definition of a business with the objective of adding guidance to assist entities with evaluating whether transactions should be accounted for as acquisitions (or disposals) of assets or businesses. The definition of a business affects many areas of accounting including acquisitions, disposals, goodwill, and consolidation.  The amendments in this Update affect all reporting entities that must determine whether they have acquired or sold a business.

Under the current implementation guidance in Topic 805, there are three elements of a business—inputs, processes, and outputs. While an integrated set of assets and activities (collectively referred to as a "set") that is a business usually has outputs, outputs are not required to be present. In addition, all the inputs and processes that a seller uses in operating a set are not required if market participants can acquire the set and continue to produce outputs, for example, by integrating the acquired set with their own inputs and processes.
 
The amendments in this Update provide a screen to determine when a set is not a business. The screen requires that when substantially all of the fair value of the gross assets acquired (or disposed of) is concentrated in a single identifiable asset or a group of similar identifiable assets, the set is not a business. This screen reduces the number of transactions that need to be further evaluated.

If the screen is not met, the amendments in this Update (1) require that to be considered a business, a set must include, at a minimum, an input and a substantive process that together significantly contribute to the ability to create output and (2) remove the evaluation of whether a market participant could replace missing elements. The amendments provide a framework to assist entities in evaluating whether both an input and a substantive process are present. The framework includes two sets of criteria to consider that depend on whether a set has outputs. Although outputs are not required for a set to be a business, outputs generally are a key element of a business; therefore, the Board has developed more stringent criteria for sets without outputs.

Lastly, the amendments in this Update narrow the definition of the term output so that the term is consistent with how outputs are described in Topic 606.

The Company should apply the amendments in this Update to annual periods beginning after December 15, 2017, including interim periods within those periods.  The amendments in this Update should be applied prospectively on or after the effective date. No disclosures are required at transition. The Company does not expect that the guidance to have a material impact on its consolidated financial statements.

ASU 2017-03, Accounting Changes and Error Corrections (Topic 250) and Investments-Equity Method and Joint Ventures (Topic 323), Amendments to SEC Paragraphs Pursuant to Staff Announcements at the September 22, 2016 and November 17, 2016 EITF Meetings.  This new guidance provides the SEC staff view that a registrant should evaluate ASUs that have not yet been adopted to determine the appropriate financial statement disclosures about the potential material effects of those ASUs on the financial statements when adopted. Consistent with Topic 11.M, if a registrant does not know or cannot reasonably estimate the impact that adoption of the ASUs referenced in this announcement is expected to have on the financial statements, then in addition to making a statement to that effect, that registrant should consider additional qualitative financial statement disclosures to assist the reader in assessing the significance of the impact that the standard will have on the financial statements of the registrant when adopted. In this regard, the SEC staff expects the additional qualitative disclosures to include a description of the effect of the accounting policies that the registrant expects to apply, if determined, and a comparison to the registrant's current accounting policies. Also, a registrant should describe the status of its process to implement the new standards and the significant implementation matters yet to be addressed.

ASU 2017-04, Intangibles-Goodwill and Other (Topic 350), Simplifying the Test for Goodwill Impairment.  This new guidance simplifies the subsequent measurement of goodwill, the Board eliminated Step 2 from the goodwill impairment test. In computing the implied fair value of goodwill under Step 2, an entity had to perform procedures to determine the fair value at the impairment testing date of its assets and liabilities (including unrecognized assets and liabilities) following the procedure that would be required in determining the fair value of assets acquired and liabilities assumed in a business combination.

Instead, under the amendments in this Update, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit's fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. Additionally, an entity should consider income tax effects from any tax deductible goodwill on the carrying amount of the reporting unit when measuring the goodwill impairment loss, if applicable.
 
The Board also eliminated the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test. Therefore, the same impairment assessment applies to all reporting units. An entity is required to disclose the amount of goodwill allocated to each reporting unit with a zero or negative carrying amount of net assets.

An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. This Update also includes amendments to the Overview and Background Sections of the Codification (as discussed in Part II of the amendments) as part of the Board's initiative to unify and improve the Overview and Background Sections across Topics and Subtopics. These changes should not affect the related guidance in these Subtopics.

An entity should apply the amendments in this Update on a prospective basis. An entity is required to disclose the nature of and reason for the change in accounting principle upon transition. That disclosure should be provided in the first annual period and in the interim period within the first annual period when the entity initially adopts the amendments in this Update.

A public business entity that is a U.S. Securities and Exchange Commission (SEC) filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019.

A public business entity that is not an SEC filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2020.

Early adoption is permitted for interim or annual goodwill impairment tests performed on testing dates after January 1, 2017.
XML 22 R11.htm IDEA: XBRL DOCUMENT v3.7.0.1
EARNINGS PER SHARE
 12 Months Ended
Dec. 31, 2016
EARNINGS PER SHARE [Abstract]  
EARNINGS PER SHARE
NOTE 3:  EARNINGS PER SHARE

Basic earnings per share are calculated by dividing net income available to common shareholders by the weighted average number of common shares outstanding during the period.  Net income available to common shareholders is net income to Pathfinder Bancorp, Inc. less the total of preferred dividends declared. Diluted earnings per share include the potential dilutive effect that could occur upon the assumed exercise of issued stock options using the Treasury Stock method.  Anti-dilutive shares are common stock equivalents with average exercise prices in excess of the weighted average market price for the period presented. Anti-dilutive stock options, not included in the computation below, were 214,415 and 4,118 for the years ended 2016 and 2015, respectively.  Unallocated common shares held by the ESOP are not included in the weighted-average number of common shares outstanding for purposes of calculating earnings per common share until they are committed to be released to plan participants.

The following table sets forth the calculation of basic and diluted earnings per share.

  
Years ended
 
  
December 31,
 
(In thousands, except per share data)
 
2016
  
2015
 
Basic Earnings Per Common Share
      
Net income available to common shareholders
 
$
3,256
  
$
2,759
 
Weighted average common shares outstanding
  
4,105
   
4,124
 
Basic earnings per common share
 
$
0.79
  
$
0.67
 
         
Diluted Earnings Per Common Share
        
Net income available to common shareholders
 
$
3,256
  
$
2,759
 
Weighted average common shares outstanding
  
4,105
   
4,124
 
Effect of assumed exercise of stock options
  
85
   
67
 
Diluted weighted average common shares outstanding
  
4,190
   
4,191
 
Diluted earnings per common share
 
$
0.78
  
$
0.66
 
XML 23 R12.htm IDEA: XBRL DOCUMENT v3.7.0.1
INVESTMENT SECURITIES
 12 Months Ended
Dec. 31, 2016
INVESTMENT SECURITIES [Abstract]  
INVESTMENT SECURITIES
NOTE 4: INVESTMENT SECURITIES

The amortized cost and estimated fair value of investment securities are summarized as follows:

 
 
December 31, 2016
 
     
Gross
  
Gross
  
Estimated
 
  
Amortized
  
Unrealized
  
Unrealized
  
Fair
 
(In thousands)
 
Cost
  
Gains
  
Losses
  
Value
 
Available-for-Sale Portfolio
            
Debt investment securities:
            
US Treasury, agencies and GSEs
 
$
24,263
  
$
1
  
$
(80
)
 
$
24,184
 
State and political subdivisions
  
17,185
   
33
   
(737
)
  
16,481
 
Corporate
  
15,560
   
20
   
(385
)
  
15,195
 
Asset backed securities
  
6,696
   
5
   
(37
)
  
6,664
 
Residential mortgage-backed - US agency
  
31,204
   
-
   
(638
)
  
30,566
 
Collateralized mortgage obligations - US agency
  
42,124
   
45
   
(1,183
)
  
40,986
 
Collateralized mortgage obligations - Private label
  
6,682
   
-
   
(105
)
  
6,577
 
Total
  
143,714
   
104
   
(3,165
)
  
140,653
 
Equity investment securities:
                
Mutual funds:
                
Ultra short mortgage fund
  
643
   
-
   
(17
)
  
626
 
Common stock - financial services industry
  
663
   
13
   
-
   
676
 
Total
  
1,306
   
13
   
(17
)
  
1,302
 
Total available-for-sale
 
$
145,020
  
$
117
  
$
(3,182
)
 
$
141,955
 
                 
Held-to-Maturity Portfolio
                
Debt investment securities:
                
US Treasury, agencies and GSEs
 
$
4,928
  
$
30
  
$
(18
)
 
$
4,940
 
State and political subdivisions
  
30,697
   
572
   
(693
)
  
30,576
 
Corporate
  
8,240
   
85
   
(228
)
  
8,097
 
Residential mortgage-backed - US agency
  
6,386
   
31
   
(20
)
  
6,397
 
Collateralized mortgage obligations - US agency
  
2,927
   
96
   
-
   
3,023
 
Collateralized mortgage obligations - Private label
  
1,467
   
-
   
(71
)
  
1,396
 
Total held-to-maturity
 
$
54,645
  
$
814
  
$
(1,030
)
 
$
54,429
 
 
 
December 31, 2015
 
     
Gross
  
Gross
  
Estimated
 
  
Amortized
  
Unrealized
  
Unrealized
  
Fair
 
(In thousands)
 
Cost
  
Gains
  
Losses
  
Value
 
Available-for-Sale Portfolio
            
Debt investment securities:
            
US Treasury, agencies and GSEs
 
$
21,380
  
$
13
  
$
(85
)
 
$
21,308
 
State and political subdivisions
  
8,198
   
107
   
(5
)
  
8,300
 
Corporate
  
18,173
   
51
   
(96
)
  
18,128
 
Residential mortgage-backed - US agency
  
32,740
   
113
   
(280
)
  
32,573
 
Collateralized mortgage obligations - US agency
  
16,880
   
95
   
(142
)
  
16,833
 
Total
  
97,371
   
379
   
(608
)
  
97,142
 
Equity investment securities:
                
Mutual funds:
                
Ultra short mortgage fund
  
643
   
-
   
(5
)
  
638
 
Large cap equity fund
  
456
   
127
   
-
   
583
 
Common stock - financial services industry
  
554
   
25
   
-
   
579
 
Total
  
1,653
   
152
   
(5
)
  
1,800
 
Total available-for-sale
 
$
99,024
  
$
531
  
$
(613
)
 
$
98,942
 
                 
Held-to-Maturity Portfolio
                
Debt investment securities:
                
US Treasury, agencies and GSEs
 
$
7,860
  
$
81
  
$
(29
)
 
$
7,912
 
State and political subdivisions
  
21,585
   
881
   
-
   
22,466
 
Corporate
  
4,175
   
53
   
(3
)
  
4,225
 
Residential mortgage-backed - US agency
  
7,763
   
137
   
(5
)
  
7,895
 
Collateralized mortgage obligations - US agency
  
2,914
   
103
   
-
   
3,017
 
Total held-to-maturity
 
$
44,297
  
$
1,255
  
$
(37
)
 
$
45,515
 

The majority of the Company's investments in mortgage-backed securities include pass-through securities and collateralized mortgage obligations issued and guaranteed by Fannie Mae, Freddie Mac, and Ginnie Mae.  As of December 31, 2016, the Company also held a total of seven private-label mortgage-backed securities or collateralized mortgage obligations with an aggregate book balance of $9.8 million and five private-label asset backed securities collateralized by consumer loans with an aggregate book balance of $6.7 million.  These investments are relatively short-duration securities with significant credit enhancements.  There were no private-label investments in the securities portfolio at December 31, 2015.  The Company's investments in state and political obligation securities are generally municipal obligations that are categorized as general obligations of the issuer that are supported by the overall taxing authority of the issuer, and in some cases are insured.  The obligations issued by school districts are generally supported by state administered insurance funds or credit enhancement programs.
 
The amortized cost and estimated fair value of debt investments at December 31, 2016 by contractual maturity are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties.

  
Available-for-Sale
  
Held-to-Maturity
 
  
Amortized
  
Estimated
  
Amortized
  
Estimated
 
 
 
Cost
  
Fair Value
  
Cost
  
Fair Value
 
(In thousands)
            
Due in one year or less
 
$
14,678
  
$
14,680
  
$
206
  
$
205
 
Due after one year through five years
  
27,008
   
26,854
   
10,173
   
10,259
 
Due after five years through ten years
  
10,732
   
10,545
   
17,823
   
18,139
 
Due after ten years
  
11,286
   
10,445
   
15,663
   
15,010
 
Sub-total
  
63,704
   
62,524
   
43,865
   
43,613
 
Residential mortgage-backed - US agency
  
31,204
   
30,566
   
6,386
   
6,397
 
Collateralized mortgage obligations - US agency
  
42,124
   
40,986
   
2,927
   
3,023
 
Collateralized mortgage obligations - Private label
  
6,682
   
6,577
   
1,467
   
1,396
 
Totals
 
$
143,714
  
$
140,653
  
$
54,645
  
$
54,429
 
 
The Company's investment securities' gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, is as follows:

  
December 31, 2016
 
  
Less than Twelve Months
  
Twelve Months or More
  
Total
 
  
Number of
        
Number of
        
Number of
       
  
Individual
  
Unrealized
  
Fair
  
Individual
  
Unrealized
  
Fair
  
Individual
  
Unrealized
  
Fair
 
 
 
Securities
  
Losses
  
Value
  
Securities
  
Losses
  
Value
  
Securities
  
Losses
  
Value
 
(Dollars in thousands)
                           
Available-for-Sale
                           
US Treasury, agencies and GSE's
  
6
  
$
(80
)
 
$
22,161
   
-
  
$
-
  
$
-
   
6
  
$
(80
)
 
$
22,161
 
State and political subdivisions
  
53
   
(737
)
  
14,057
   
-
   
-
   
-
   
53
   
(737
)
  
14,057
 
Corporate
  
10
   
(385
)
  
10,587
   
-
   
-
   
-
   
10
   
(385
)
  
10,587
 
Asset backed securities
  
3
   
(37
)
  
4,455
   
-
   
-
   
-
   
3
   
(37
)
  
4,455
 
Equity and other investments
  
1
   
(17
)
  
626
   
-
   
-
   
-
   
1
   
(17
)
  
626
 
Residential mortgage-backed - US agency
  
23
   
(638
)
  
29,849
   
-
   
-
   
-
   
23
   
(638
)
  
29,849
 
Collateralized mortgage obligations - US agency
  
28
   
(1,087
)
  
33,376
   
4
   
(96
)
  
2,514
   
32
   
(1,183
)
  
35,890
 
Collateralized mortgage obligations - Private label
  
5
   
(105
)
  
6,577
   
-
   
-
   
-
   
5
   
(105
)
  
6,577
 
Totals
  
129
  
$
(3,086
)
 
$
121,688
   
4
  
$
(96
)
 
$
2,514
   
133
  
$
(3,182
)
 
$
124,202
 
Held-to-Maturity
                                    
US Treasury, agencies and GSE's
  
1
  
$
(18
)
 
$
982
   
-
  
$
-
  
$
-
   
1
  
$
(18
)
 
$
982
 
State and political subdivisions
  
16
   
(693
)
  
10,038
   
-
   
-
   
-
   
16
   
(693
)
  
10,038
 
Corporate
  
5
   
(228
)
  
4,402
   
-
   
-
   
-
   
5
   
(228
)
  
4,402
 
Residential mortgage-backed - US agency
  
3
   
(20
)
  
1,869
   
-
   
-
   
-
   
3
   
(20
)
  
1,869
 
Collateralized mortgage obligations - US agency
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Collateralized mortgage obligations - Private label
  
1
   
(71
)
  
1,396
   
-
   
-
   
-
   
1
   
(71
)
  
1,396
 
Totals
  
26
  
$
(1,030
)
 
$
18,687
   
-
  
$
-
  
$
-
   
26
  
$
(1,030
)
 
$
18,687
 

 
  
December 31, 2015
 
  
Less than Twelve Months
  
Twelve Months or More
  
Total
 
  
Number of
        
Number of
        
Number of
       
  
Individual
  
Unrealized
  
Fair
  
Individual
  
Unrealized
  
Fair
  
Individual
  
Unrealized
  
Fair
 
 
 
Securities
  
Losses
  
Value
  
Securities
  
Losses
  
Value
  
Securities
  
Losses
  
Value
 
(Dollars in thousands)
                           
Available-for-Sale
                           
US Treasury, agencies and GSE's
  
9
  
$
(70
)
 
$
13,382
   
1
  
$
(15
)
 
$
984
   
10
  
$
(85
)
 
$
14,366
 
State and political subdivisions
  
13
   
(4
)
  
1,894
   
3
   
(1
)
  
339
   
16
   
(5
)
  
2,233
 
Corporate
  
10
   
(57
)
  
8,123
   
2
   
(39
)
  
2,820
   
12
   
(96
)
  
10,943
 
Asset backed securities
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Equity and other investments
  
1
   
(5
)
  
638
   
-
   
-
   
-
   
1
   
(5
)
  
638
 
Residential mortgage-backed - US agency
  
14
   
(148
)
  
20,204
   
5
   
(132
)
  
4,812
   
19
   
(280
)
  
25,016
 
Collateralized mortgage obligations - US agency
  
6
   
(80
)
  
8,618
   
3
   
(62
)
  
1,789
   
9
   
(142
)
  
10,407
 
Collateralized mortgage obligations - Private label
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Totals
  
53
  
$
(364
)
 
$
52,859
   
14
  
$
(249
)
 
$
10,744
   
67
  
$
(613
)
 
$
63,603
 
Held-to-Maturity
                                    
US Treasury, agencies and GSE's
  
2
  
$
(29
)
 
$
2,970
   
-
  
$
-
  
$
-
   
2
  
$
(29
)
 
$
2,970
 
State and political subdivisions
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Corporate
  
1
   
(3
)
  
225
   
-
   
-
   
-
   
1
   
(3
)
  
225
 
Residential mortgage-backed - US agency
  
1
   
(5
)
  
795
   
-
   
-
   
-
   
1
   
(5
)
  
795
 
Collateralized mortgage obligations - US agency
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Collateralized mortgage obligations - Private label
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Totals
  
4
  
$
(37
)
 
$
3,990
   
-
  
$
-
  
$
-
   
4
  
$
(37
)
 
$
3,990
 

The Company conducts a formal review of investment securities on a quarterly basis for the presence of other-than-temporary impairment ("OTTI").  The Company assesses whether OTTI is present when the fair value of a debt security is less than its amortized cost basis at the statement of condition date.  Under these circumstances, OTTI is considered to have occurred (1) if we intend to sell the security; (2) if it is "more likely than not" we will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows is not anticipated to be sufficient to recover the entire amortized cost basis.  The guidance requires that credit-related OTTI is recognized in earnings while non-credit-related OTTI on securities not expected to be sold is recognized in other comprehensive income ("OCI").  Non-credit-related OTTI is based on other factors, including illiquidity and changes in the general interest rate environment.  Presentation of OTTI is made in the consolidated statement of income on a gross basis, including both the portion recognized in earnings as well as the portion recorded in OCI.  The gross OTTI would then be offset by the amount of non-credit-related OTTI, showing the net as the impact on earnings.

Management does not believe any individual unrealized loss in other securities within the portfolio as of December 31, 2016 represents OTTI.  All securities which have been in an unrealized loss position for 12 months or more are issued by United States agencies or government sponsored enterprises and consist of mortgage-backed securities, collateralized mortgage obligations and direct agency financings.  These positions in US government agency and government-sponsored enterprises are deemed to have no credit impairment, thus, the disclosed unrealized losses relate directly to changes in interest rates subsequent to the acquisition of the individual securities.  The Company does not intend to sell these securities, nor is it more likely than not that the Company will be required to sell these securities prior to the recovery of the amortized cost.

In determining whether OTTI has occurred for equity securities, the Company considers the applicable factors described above and the length of time the equity security's fair value has been below the carrying amount. Management has determined that we have the intent and ability to retain its equity securities for a sufficient period of time to allow for recovery. At December 31, 2016 and 2015, the Company had one mutual fund investment, categorized as an equity security, with a fair value below its book value.  This security, which represents an ownership interest in a mutual fund primarily invested in adjustable-rate mortgage securities, had a fair value of $626,000 at December 31, 2016, which was below its book value by $17,000 at that date.  This same security had a fair value of $638,000 at December 31, 2015 and that value was $5,000 below its book value at that date.
 
Proceeds of $33.2 million and $25.2 million, respectively on sales and redemptions of securities for the years ended December 31 resulted in gross realized gains (losses) detailed below:

(In thousands)
 
2016
  
2015
 
Realized gains on investments
 
$
526
  
$
439
 
Realized gains on hedging activity
  
85
   
-
 
Realized losses on investments
  
(17
)
  
(17
)
 
 
$
594
  
$
422
 

As of December 31, 2016 and December 31, 2015, securities with a fair value of $96.4 million and $89.7 million, respectively, were pledged to collateralize certain municipal deposit relationships.  As of the same dates, securities with a fair value of $12.9 million and $17.8 million were pledged against certain borrowing arrangements.

Management has reviewed its loan and mortgage-backed securities portfolios and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages.  The Company is not in the practice of investing in, or originating, these types of investments or loans.
XML 24 R13.htm IDEA: XBRL DOCUMENT v3.7.0.1
LOANS
 12 Months Ended
Dec. 31, 2016
LOANS [Abstract]  
LOANS
NOTE 5: LOANS

Major classifications of loans are as follows:

  
December 31,
  
December 31,
 
(In thousands)
 
2016
  
2015
 
Residential mortgage loans:
      
1-4 family first-lien residential mortgages
 
$
199,000
  
$
181,792
 
Construction
  
8,505
   
7,924
 
Total residential mortgage loans
  
207,505
   
189,716
 
         
Commercial loans:
        
Real estate
  
150,698
   
129,506
 
Lines of credit
  
23,225
   
19,035
 
Other commercial and industrial
  
67,646
   
54,899
 
Tax exempt loans
  
12,523
   
9,081
 
Total commercial loans
  
254,092
   
212,521
 
         
Consumer loans:
        
Home equity and junior liens
  
24,722
   
23,463
 
Other consumer
  
6,293
   
4,886
 
Total consumer loans
  
31,015
   
28,349
 
 
        
Total loans
  
492,612
   
430,586
 
Net deferred loan fees
  
(465
)
  
(148
)
Less allowance for loan losses
  
(6,247
)
  
(5,706
)
Loans receivable, net
 
$
485,900
  
$
424,732
 

The Company originates residential mortgage, commercial and consumer loans largely to customers throughout Oswego, Onondaga and surrounding counties. Although the Company has a diversified loan portfolio, a substantial portion of its borrowers' abilities to honor their contracts is dependent upon the counties' employment and economic conditions.
 
As of December 31, 2016 and December 31, 2015, residential mortgage loans with a carrying value of $140.3 million and $125.8 million, respectively, have been pledged by the Company to the Federal Home Loan Bank of New York ("FHLBNY") under a blanket collateral agreement to secure the Company's line of credit and term borrowings.

Loan Origination / Risk Management

The Company has lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk.  Management and the board of directors reviews and approves these policies and procedures on a regular basis.  A reporting system supplements the review process by frequently providing management with reports related to loan production, loan quality, loan delinquencies, nonperforming and potential problem loans.  Diversification in the loan portfolio is a means of managing risk associated with fluctuations in economic conditions.

Risk Characteristics of Portfolio Segments

Each portfolio segment generally carries its own unique risk characteristics.

The residential mortgage loan segment is impacted by general economic conditions, unemployment rates in the Bank's service area, real estate values and the forward expectation of improvement or deterioration in economic conditions.

The commercial loan segment is impacted by general economic conditions but, more specifically, the industry segment in which each borrower participates.  Unique competitive changes within a borrower's specific industry, or geographic location could cause significant changes in the borrower's revenue stream, and therefore, impact its ability to repay its obligations.  Commercial real estate is also subject to general economic conditions but changes within this segment typically lag changes seen within the consumer and commercial segment.  Included within this portfolio are both owner occupied real estate, in which the borrower occupies the majority of the real estate property and upon which the majority of the sources of repayment of the obligation is dependent upon, and non-owner occupied real estate, in which several tenants comprise the repayment source for this portfolio segment.  The composition and competitive position of the tenant structure may cause adverse changes in the repayment of debt obligations for the non-owner occupied class within this segment.

The consumer loan segment is impacted by general economic conditions, unemployment rates in the Company's service area, and the forward expectation of improvement or deterioration in economic conditions.

Real estate loans, including residential mortgages, commercial real estate loans and home equity, comprise 78% of the portfolio in 2016, substantially identical to the composition in 2015, where such loans represented 81% of total loans.  Loans secured by real estate generally provide strong collateral protection and thus significantly reduce the inherent credit risk in the portfolio.

Management has reviewed its loan portfolio and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages.  The Company is not in the practice of originating these types of loans.

Description of Credit Quality Indicators

The Company utilizes an eight tier risk rating system to evaluate the quality of its loan portfolio.  Loans that are risk rated "1" through "4" are considered "Pass" loans.  In accordance with regulatory guidelines, loans rated "5" through "8" are termed "criticized" loans and loans rated "6" through "8" are termed "classified" loans.  A description of the Company's credit quality indicators follows.
 
For Commercial Loans:

1.
Prime:  A loan that is fully secured by properly margined Pathfinder Bank deposit account(s) or an obligation of the US Government.  It may also be unsecured if it is supported by a very strong financial condition and, in the case of a commercial loan, excellent management.  There exists an unquestioned ability to repay the loan in accordance with its terms.

2.
Strong:  Desirable relationship of somewhat less stature than Prime grade.  Possesses a sound documented repayment source, and back up, which will allow repayment within the terms of the loan.  Individual loans backed by solid assets, character and integrity.  Ability of individual or company management is good and well established.  Probability of serious financial deterioration is unlikely.

3.
Satisfactory:  Stable financial condition with cash flow sufficient for debt service coverage.  Satisfactory loans of average strength having some deficiency or vulnerability to changing economic or industry conditions but performing as agreed with documented evidence of repayment capacity.  May be unsecured loans to borrowers with satisfactory credit and financial strength.  Satisfactory provisions for management succession and a secondary source of repayment exists.

4.
Satisfactory Watch:  A four is not a criticized or classified credit. These credits do not display the characteristics of a criticized asset as defined by the regulatory definitions. A credit is given a Satisfactory Watch designation if there are matters or trends observed deserving attention somewhat beyond normal monitoring.  Borrowing obligations may be handled according to agreement but could be adversely impacted by developing factors such as industry conditions, operating problems, litigation pending of a significant nature or declining collateral quality and adequacy.                                     

5.
Special Mention:  A warning risk grade that portrays one or more weaknesses that may be tolerated in the short term.  Assets in this category are currently protected but are potentially weak.  This loan would not normally be booked as a new credit, but may have redeeming characteristics persuading the Bank to continue working with the borrower.  Loans accorded this classification have potential weaknesses which may, if not checked or corrected, weaken the company's assets, inadequately protect the Bank's position or effect the orderly, scheduled reduction of the debt at some future time.

6.
Substandard:  The relationship is inadequately protected by the current net worth and cash flow capacity of the borrower, guarantor/endorser, or of the collateral pledged.  Assets have a well-defined weakness or weaknesses that jeopardize the orderly liquidation of the debt.  The relationship shows deteriorating trends or other deficient areas.  The loan may be nonperforming and expected to remain so for the foreseeable future.  Relationship balances may be adequately secured by asset value; however a deteriorated financial condition may necessitate collateral liquidation to effect repayment.  This would also include any relationship with an unacceptable financial condition requiring excessive attention of the officer due to the nature of the credit risk or lack of borrower cooperation.

7.
Doubtful:  The relationship has all the weaknesses inherent in a credit graded 5 with the added characteristic that the weaknesses make collection on the basis of currently existing facts, conditions and value, highly questionable or improbable.  The possibility of some loss is extremely high, however its classification as an anticipated loss is deferred until a more exact determination of the extent of loss is determined.  Loans in this category must be on nonaccrual.

8.
Loss:  Loans are considered uncollectible and of such little value that continuance as bankable assets is not warranted.  It is not practicable or desirable to defer writing off this basically worthless asset even though partial recovery may be possible in the future.
 
For Residential Mortgage and Consumer Loans:

Residential mortgage and consumer loans are assigned a "Pass" rating unless the loan has demonstrated signs of weakness as indicated by the ratings below.

5.
Special Mention: All loans sixty days past due are classified Special Mention. The loan is not upgraded until it has been current for six consecutive months.

6.
Substandard: All loans 90 days past due are classified Substandard. The loan is not upgraded until it has been current for six consecutive months.

7.
Doubtful:  The relationship has all the weaknesses inherent in a credit graded 5 with the added characteristic that the weaknesses make collection on the basis of currently existing facts, conditions and value, highly questionable or improbable.  The possibility of some loss is extremely high.

The risk ratings for classified loans are evaluated at least quarterly for commercial loans or when credit deficiencies arise, such as delinquent loan payments, for commercial, residential mortgage or consumer loans.  See further discussion of risk ratings in Note 1.

The following table presents the segments and classes of the loan portfolio summarized by the aggregate pass rating and the criticized and classified ratings of special mention, substandard and doubtful within the Company's internal risk rating system:

 
 
As of December 31, 2016
 
     
Special
          
(In thousands)
 
Pass
  
Mention
  
Substandard
  
Doubtful
  
Total
 
Residential mortgage loans:
               
1-4 family first-lien residential mortgages
 
$
194,377
  
$
1,445
  
$
2,115
  
$
1,063
  
$
199,000
 
Construction
  
8,505
   
-
   
-
   
-
   
8,505
 
Total residential mortgage loans
  
202,882
   
1,445
   
2,115
   
1,063
   
207,505
 
Commercial loans:
                    
Real estate
  
143,126
   
3,714
   
3,858
   
-
   
150,698
 
Lines of credit
  
22,141
   
684
   
400
   
-
   
23,225
 
Other commercial and industrial
  
66,279
   
661
   
702
   
4
   
67,646
 
Tax exempt loans
  
12,523
   
-
   
-
   
-
   
12,523
 
Total commercial loans
  
244,069
   
5,059
   
4,960
   
4
   
254,092
 
Consumer loans:
                    
Home equity and junior liens
  
23,963
   
170
   
389
   
200
   
24,722
 
Other consumer
  
6,224
   
17
   
8
   
44
   
6,293
 
Total consumer loans
  
30,187
   
187
   
397
   
244
   
31,015
 
Total loans
 
$
477,138
  
$
6,691
  
$
7,472
  
$
1,311
  
$
492,612
 
 
 
As of December 31, 2015
 
     
Special
          
(In thousands)
 
Pass
  
Mention
  
Substandard
  
Doubtful
  
Total
 
Residential mortgage loans:
               
1-4 family first-lien residential mortgages
 
$
177,244
  
$
1,375
  
$
2,425
  
$
748
  
$
181,792
 
Construction
  
7,924
   
-
   
-
   
-
   
7,924
 
Total residential mortgage loans
  
185,168
   
1,375
   
2,425
   
748
   
189,716
 
Commercial loans:
                    
Real estate
  
121,283
   
4,345
   
3,878
   
-
   
129,506
 
Lines of credit
  
17,358
   
1,469
   
208
   
-
   
19,035
 
Other commercial and industrial
  
53,540
   
848
   
504
   
7
   
54,899
 
Tax exempt loans
  
9,081
   
-
   
-
   
-
   
9,081
 
Total commercial loans
  
201,262
   
6,662
   
4,590
   
7
   
212,521
 
Consumer loans:
                    
Home equity and junior liens
  
22,780
   
182
   
287
   
214
   
23,463
 
Other consumer
  
4,840
   
31
   
15
   
-
   
4,886
 
Total consumer loans
  
27,620
   
213
   
302
   
214
   
28,349
 
Total loans
 
$
414,050
  
$
8,250
  
$
7,317
  
$
969
  
$
430,586
 

Nonaccrual and Past Due Loans

Loans are considered past due if the required principal and interest payments have not been received within thirty days of the payment due date.

An age analysis of past due loans, exclusive of deferred costs, segregated by class of loans were as follows:
 
 
 
As of December 31, 2016
 
  
30-59 Days
  
60-89 Days
  
90 Days
          
  
Past Due
  
Past Due
  
and Over
  
Total
     
Total Loans
 
(In thousands)
 
And Accruing
  
And Accruing
     
Past Due
  
Current
  
Receivable
 
Residential mortgage loans:
                  
1-4 family first-lien residential mortgages
 
$
1,247
  
$
832
  
$
2,560
  
$
4,639
  
$
194,361
  
$
199,000
 
Construction
  
-
   
-
   
-
   
-
   
8,505
   
8,505
 
Total residential mortgage loans
  
1,247
   
832
   
2,560
   
4,639
   
202,866
   
207,505
 
Commercial loans:
                        
Real estate
  
1,063
   
375
   
1,223
   
2,661
   
148,037
   
150,698
 
Lines of credit
  
819
   
-
   
-
   
819
   
22,406
   
23,225
 
Other commercial and industrial
  
333
   
-
   
640
   
973
   
66,673
   
67,646
 
Tax exempt loans
  
-
   
-
   
-
   
-
   
12,523
   
12,523
 
Total commercial loans
  
2,215
   
375
   
1,863
   
4,453
   
249,639
   
254,092
 
Consumer loans:
                        
Home equity and junior liens
  
105
   
157
   
338
   
600
   
24,122
   
24,722
 
Other consumer
  
8
   
13
   
50
   
71
   
6,222
   
6,293
 
Total consumer loans
  
113
   
170
   
388
   
671
   
30,344
   
31,015
 
Total loans
 
$
3,575
  
$
1,377
  
$
4,811
  
$
9,763
  
$
482,849
  
$
492,612
 
 
 
 
 
As of December 31, 2015
 
  
30-59 Days
  
60-89 Days
  
90 Days
          
  
Past Due
  
Past Due
  
and Over
  
Total
     
Total Loans
 
(In thousands)
 
And Accruing
  
And Accruing
     
Past Due
  
Current
  
Receivable
 
Residential mortgage loans:
                  
1-4 family first-lien residential mortgages
 
$
1,115
  
$
808
  
$
1,715
  
$
3,638
  
$
178,154
  
$
181,792
 
Construction
  
-
   
-
   
-
   
-
   
7,924
   
7,924
 
Total residential mortgage loans
  
1,115
   
808
   
1,715
   
3,638
   
186,078
   
189,716
 
Commercial loans:
                        
Real estate
  
940
   
135
   
2,694
   
3,769
   
125,737
   
129,506
 
Lines of credit
  
20
   
-
   
174
   
194
   
18,841
   
19,035
 
Other commercial and industrial
  
159
   
216
   
370
   
745
   
54,154
   
54,899
 
Tax exempt loans
  
-
   
-
   
-
   
-
   
9,081
   
9,081
 
Total commercial loans
  
1,119
   
351
   
3,238
   
4,708
   
207,813
   
212,521
 
Consumer loans:
                        
Home equity and junior liens
  
132
   
-
   
360
   
492
   
22,971
   
23,463
 
Other consumer
  
14
   
15
   
5
   
34
   
4,852
   
4,886
 
Total consumer loans
  
146
   
15
   
365
   
526
   
27,823
   
28,349
 
Total loans
 
$
2,380
  
$
1,174
  
$
5,318
  
$
8,872
  
$
421,714
  
$
430,586
 
 
Year-end nonaccrual loans, segregated by class of loan, were as follows:

  
December 31,
  
December 31,
 
(In thousands)
 
2016
  
2015
 
Residential mortgage loans:
      
1-4 family first-lien residential mortgages
 
$
2,560
  
$
1,715
 
 
  
2,560
   
1,715
 
Commercial loans:
        
Real estate
  
1,223
   
2,694
 
Lines of credit
  
-
   
174
 
Other commercial and industrial
  
640
   
370
 
 
  
1,863
   
3,238
 
Consumer loans:
        
Home equity and junior liens
  
338
   
360
 
Other consumer
  
50
   
5
 
 
  
388
   
365
 
Total nonaccrual loans
 
$
4,811
  
$
5,318
 

There were no loans past due ninety days or more and still accruing interest at December 31, 2016 or 2015.

The Company is required to disclose certain activities related to Troubled Debt Restructurings ("TDR") in accordance with accounting guidance. Certain loans have been modified in a TDR where economic concessions have been granted to a borrower who is experiencing, or expected to experience, financial difficulties. These economic concessions could include a reduction in the loan interest rate, extension of payment terms, reduction of principal amortization, or other actions that it would not otherwise consider for a new loan with similar risk characteristics.

The Company is required to disclose new TDRs for each reporting period for which an income statement is being presented.  Pre-modification outstanding recorded investment is the principal loan balance less the provision for loan losses before the loan was modified as a TDR.  Post-modification outstanding recorded investment is the principal balance less the provision for loan losses after the loan was modified as a TDR.  Additional provision for loan losses is the change in the allowance for loan losses between the pre-modification outstanding recorded investment and post-modification outstanding recorded investment.
 
  
For the year ended December 31, 2016
 
(In thousands)
 
Number of loans
  
Pre-modification outstanding recorded investment
  
Post-modification outstanding recorded investment
  
Additional provision for loan losses
 
Individually evaluated for impairment:
            
Residential mortgage loans
  
3
  
$
127
  
$
135
  
$
29
 
Commercial real estate loans
  
1
   
2,088
   
2,088
   
-
 


The TDRs individually evaluated for impairment have been classified as TDRs due to economic concessions granted, which consisted of additional funds advanced without associated increases in collateral, interest rate reduction, extended term and/or extended interest only payment terms.  The Company was required to increase the specific reserves against the loans individually reviewed for impairment by $29,000, which was a component of the provision for loan losses in the fourth quarter of 2016.  The Company changed the criteria for evaluating impairment on TDRs as of December 31, 2016 to include all TDRs, regardless of the size of the loan, to be individually evaluated for impairment.  The Company previously established thresholds of $100,000 for residential and consumer loans and $300,000 for commercial real estate loans, commercial lines and loans and tax exempt loans for reviewing TDRs individually for impairment.  TDRs below these threshold amounts were collectively evaluated for impairment as of December 31, 2015.

  
For the year ended December 31, 2015
 
(In thousands)
 
Number of loans
  
Pre-modification outstanding recorded investment
  
Post-modification outstanding recorded investment
  
Additional provision for loan losses
 
Individually evaluated for impairment:
            
Commercial real estate loans
  
1
  
$
678
  
$
324
  
$
354
 
                 
Collectively evaluated for impairment:
                
Residential mortgage loans
  
2
  
$
69
  
$
79
  
$
-
 


The TDR individually evaluated for impairment has been classified as a TDR due to the economic concessions granted, which included extended payment terms without an associated increase in collateral.  The Company was required to increase the specific reserve against this loan by an additional $354,000, which was a component of the provision for loan losses in the second quarter of 2015.  The TDRs collectively evaluated for impairment were included in the general loan loss allocation and qualitative review and the impact on the allowance for loan losses was immaterial.

The Company is required to disclose loans that have been modified as TDRs within the previous 12 months in which there was payment default after the restructuring.  The Company defines payment default as any loans 90 days past due on contractual payments.

The Company had no loans that had been modified as TDRs during the twelve months prior to December 31, 2016, which had subsequently defaulted during the year ended December 31, 2016.

The Company had no loans that had been modified as TDRs during the twelve months prior to December 31, 2015, which had subsequently defaulted during the year ended December 31, 2015.

When the Company modifies a loan within a portfolio segment that is individually evaluated for impairment, a potential impairment is analyzed either based on the present value of the expected future cash flows discounted at the interest rate of the original loan terms or the fair value of the collateral less costs to sell. If it is determined that the value of the loan is less than its recorded investment, then impairment is recognized as a component of the provision for loan losses, an associated increase to the allowance for loan losses or as a charge-off to the allowance for loan losses in the current period.
 
Impaired Loans

The following table summarizes impaired loans information by portfolio class:

  
December 31, 2016
  
December 31, 2015
 
     
Unpaid
        
Unpaid
    
  
Recorded
  
Principal
  
Related
  
Recorded
  
Principal
  
Related
 
(In thousands)
 
Investment
  
Balance
  
Allowance
  
Investment
  
Balance
  
Allowance
 
With no related allowance recorded:
                  
1-4 family first-lien residential mortgages
 
$
850
  
$
857
  
$
-
  
$
473
  
$
473
  
$
-
 
Commercial real estate
  
4,254
   
4,344
   
-
   
2,580
   
2,709
   
-
 
Commercial lines of credit
  
400
   
400
   
-
   
574
   
597
   
-
 
Other commercial and industrial
  
470
   
470
   
-
   
536
   
569
   
-
 
Home equity and junior liens
  
140
   
140
   
-
   
187
   
187
   
-
 
Other consumer
  
-
   
-
   
-
   
5
   
6
   
-
 
With an allowance recorded:
                        
1-4 family first-lien residential mortgages
  
763
   
763
   
117
   
-
   
-
   
-
 
Commercial real estate
  
818
   
872
   
455
   
1,850
   
1,963
   
760
 
Commercial lines of credit
  
-
   
-
   
-
   
5
   
5
   
5
 
Other commercial and industrial
  
552
   
552
   
553
   
224
   
230
   
193
 
Home equity and junior liens
  
345
   
345
   
5
   
101
   
101
   
2
 
Total:
                        
1-4 family first-lien residential mortgages
  
1,613
   
1,620
   
117
   
473
   
473
   
-
 
Commercial real estate
  
5,072
   
5,216
   
455
   
4,430
   
4,672
   
760
 
Commercial lines of credit
  
400
   
400
   
-
   
579
   
602
   
5
 
Other commercial and industrial
  
1,022
   
1,022
   
553
   
760
   
799
   
193
 
Home equity and junior liens
  
485
   
485
   
5
   
288
   
288
   
2
 
Other consumer
  
-
   
-
   
-
   
5
   
6
   
-
 
Totals
 
$
8,592
  
$
8,743
  
$
1,130
  
$
6,535
  
$
6,840
  
$
960
 

The following table presents the average recorded investment in impaired loans for the years ended December 31:

(In thousands)
 
2016
  
2015
 
1-4 family first-lien residential mortgages
 
$
777
  
$
671
 
Commercial real estate
  
4,325
   
4,742
 
Commercial lines of credit
  
479
   
520
 
Other commercial and industrial
  
724
   
803
 
Home equity and junior liens
  
325
   
305
 
Other consumer
  
2
   
7
 
Total
 
$
6,632
  
$
7,048
 

The following table presents the cash basis interest income recognized on impaired loans for the years ended December 31:

(In thousands)
 
2016
  
2015
 
1-4 family first-lien residential mortgages
 
$
64
  
$
17
 
Commercial real estate
  
161
   
92
 
Commercial lines of credit
  
-
   
-
 
Other commercial and industrial
  
66
   
29
 
Home equity and junior liens
  
13
   
-
 
Other consumer
  
-
   
-
 
Total
 
$
304
  
$
138
 
XML 25 R14.htm IDEA: XBRL DOCUMENT v3.7.0.1
ALLOWANCE FOR LOAN LOSSES
 12 Months Ended
Dec. 31, 2016
Allowance for Loan Losses [Abstract]  
ALLOWANCE FOR LOAN LOSSES
NOTE 6: ALLOWANCE FOR LOAN LOSSES

Changes in the allowance for loan losses for the years ended December 31, 2016 and 2015 and information pertaining to the allocation of the allowance for loan losses and balances of the allowance for loan losses and loans receivable based on individual and collective impairment evaluation by loan portfolio class at the indicated dates are summarized in the tables below.  An allocation of a portion of the allowance to a given portfolio class does not limit the Company's ability to absorb losses in another portfolio class.

 
 
December 31, 2016
 
  
1-4 family
             
  
first-lien
           
Other
 
  
residential
     
Commercial
  
Commercial
  
commercial
 
(In thousands)
 
mortgage
  
Construction
  
real estate
  
lines of credit
  
and industrial
 
Allowance for loan losses:
               
Beginning Balance
 
$
581
  
$
-
  
$
2,983
  
$
401
  
$
1,270
 
   Charge-offs
  
(242
)
  
-
   
-
   
(69
)
  
-
 
   Recoveries
  
13
   
-
   
6
   
11
   
14
 
   Provisions (credits)
  
407
   
-
   
(54
)
  
54
   
374
 
Ending balance
 
$
759
  
$
-
  
$
2,935
  
$
397
  
$
1,658
 
Ending balance: related to loans
                    
individually evaluated for impairment
 
$
117
  
$
-
  
$
455
  
$
-
  
$
553
 
Ending balance: related to loans
                    
collectively evaluated for impairment
 
$
642
  
$
-
  
$
2,480
  
$
397
  
$
1,105
 
                     
Loans receivables:
                    
Ending balance
 
$
199,000
  
$
8,505
  
$
150,698
  
$
23,225
  
$
67,646
 
Ending balance: individually
                    
evaluated for impairment
 
$
1,613
  
$
-
  
$
5,072
  
$
400
  
$
1,022
 
Ending balance: collectively
                    
evaluated for impairment
 
$
197,387
  
$
8,505
  
$
145,626
  
$
22,825
  
$
66,624
 
 
     
Home equity
  
Other
       
 
 
Tax exempt
  
and junior liens
  
consumer
  
Unallocated
  
Total
 
Allowance for loan losses:
               
Beginning Balance
 
$
3
  
$
350
  
$
118
  
$
-
  
$
5,706
 
   Charge-offs
  
-
   
(147
)
  
(61
)
  
-
   
(519
)
   Recoveries
  
-
   
10
   
53
   
-
   
107
 
   Provisions (credits)
  
(2
)
  
118
   
56
   
-
   
953
 
Ending balance
 
$
1
  
$
331
  
$
166
  
$
-
  
$
6,247
 
Ending balance: related to loans
                    
individually evaluated for impairment
 
$
-
  
$
5
  
$
-
  
$
-
  
$
1,130
 
Ending balance: related to loans
                    
collectively evaluated for impairment
 
$
1
  
$
326
  
$
166
  
$
-
  
$
5,117
 
                     
Loans receivables:
                    
Ending balance
 
$
12,523
  
$
24,722
  
$
6,293
      
$
492,612
 
Ending balance: individually
                    
evaluated for impairment
 
$
-
  
$
485
  
$
-
      
$
8,592
 
Ending balance: collectively
                    
evaluated for impairment
 
$
12,523
  
$
24,237
  
$
6,293
      
$
484,020
 


 
 
December 31, 2015
 
  
1-4 family
             
  
first-lien
           
Other
 
  
residential
     
Commercial
  
Commercial
  
commercial
 
(In thousands)
 
mortgage
  
Construction
  
real estate
  
lines of credit
  
and industrial
 
Allowance for loan losses:
               
Beginning Balance
 
$
509
  
$
-
  
$
2,801
  
$
460
  
$
1,034
 
   Charge-offs
  
(234
)
  
-
   
(308
)
  
(206
)
  
(272
)
   Recoveries
  
40
   
-
   
-
   
38
   
10
 
   Provisions
  
266
   
-
   
490
   
109
   
498
 
Ending balance
 
$
581
  
$
-
  
$
2,983
  
$
401
  
$
1,270
 
Ending balance: related to loans
                    
individually evaluated for impairment
 
$
-
  
$
-
  
$
760
  
$
5
  
$
193
 
Ending balance: related to loans
                    
collectively evaluated for impairment
 
$
581
  
$
-
  
$
2,223
  
$
396
  
$
1,077
 
                     
Loans receivables:
                    
Ending balance
 
$
181,792
  
$
7,924
  
$
129,506
  
$
19,035
  
$
54,899
 
Ending balance: individually
                    
evaluated for impairment
 
$
473
  
$
-
  
$
4,430
  
$
579
  
$
760
 
Ending balance: collectively
                    
evaluated for impairment
 
$
181,319
  
$
7,924
  
$
125,076
  
$
18,456
  
$
54,139
 
 
     
Home equity
  
Other
       
 
 
Tax exempt
  
and junior liens
  
consumer
  
Unallocated
  
Total
 
Allowance for loan losses:
               
Beginning Balance
 
$
3
  
$
388
  
$
98
  
$
56
  
$
5,349
 
   Charge-offs
  
-
   
(26
)
  
(103
)
  
-
   
(1,149
)
   Recoveries
  
-
   
10
   
59
   
-
   
157
 
   Provisions (credits)
  
-
   
(22
)
  
64
   
(56
)
  
1,349
 
Ending balance
 
$
3
  
$
350
  
$
118
  
$
-
  
$
5,706
 
Ending balance: related to loans
                    
individually evaluated for impairment
 
$
-
  
$
2
  
$
-
  
$
-
  
$
960
 
Ending balance: related to loans
                    
collectively evaluated for impairment
 
$
3
  
$
348
  
$
118
  
$
-
  
$
4,746
 
                     
Loans receivables:
                    
Ending balance
 
$
9,081
  
$
23,463
  
$
4,886
      
$
430,586
 
Ending balance: individually
                    
evaluated for impairment
 
$
-
  
$
288
  
$
5
      
$
6,535
 
Ending balance: collectively
                    
evaluated for impairment
 
$
9,081
  
$
23,175
  
$
4,881
      
$
424,051
 

The Company's methodology for determining its allowance for loan losses includes an analysis of qualitative factors that are added to the historical loss rates in arriving at the total allowance for loan losses needed for this general pool of loans.  The qualitative factors include:

Changes in national and local economic trends;
The rate of growth in the portfolio;
Trends of delinquencies and nonaccrual balances;
Changes in loan policy; and
Changes in lending management experience and related staffing.
Each factor is assigned a value to reflect improving, stable or declining conditions based on management's best judgment using relevant information available at the time of the evaluation.  These qualitative factors, applied to each product class, make the evaluation inherently subjective, as it requires material estimates that may be susceptible to significant revision as more information becomes available.  Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for loan losses analysis and calculation.
 
The allocation of the allowance for loan losses summarized on the basis of the Company's calculation methodology was as follows:

December 31, 2016
 
 
 
1-4 family
             
  
first-lien
           
Other
 
  
residential
     
Commercial
  
Commercial
  
commercial
 
(In thousands)
 
mortgage
  
Construction
  
real estate
  
lines of credit
  
and industrial
 
Specifically reserved
 
$
117
  
$
-
  
$
455
  
$
-
  
$
553
 
Historical loss rate
  
106
   
-
   
45
   
31
   
50
 
Qualitative factors
  
536
   
-
   
2,435
   
366
   
1,055
 
   Total
 
$
759
  
$
-
  
$
2,935
  
$
397
  
$
1,658
 
                     
      
Home equity
  
Other
         
(In thousands)
 
Tax exempt
  
and junior liens
  
consumer
  
Unallocated
  
Total
 
Specifically reserved
 
$
-
  
$
5
  
$
-
  
$
-
  
$
1,130
 
Historical loss rate
  
-
   
35
   
16
   
-
   
283
 
Qualitative factors
  
1
   
291
   
150
   
-
   
4,834
 
   Total
 
$
1
  
$
331
  
$
166
  
$
-
  
$
6,247
 
 
December 31, 2015
 
 
 
1-4 family
             
  
first-lien
           
Other
 
  
residential
     
Commercial
  
Commercial
  
commercial
 
(In thousands)
 
mortgage
  
Construction
  
real estate
  
lines of credit
  
and industrial
 
Specifically reserved
 
$
-
  
$
-
  
$
760
  
$
5
  
$
193
 
Historical loss rate
  
70
   
-
   
97
   
49
   
54
 
Qualitative factors
  
511
   
-
   
2,126
   
347
   
1,023
 
   Total
 
$
581
  
$
-
  
$
2,983
  
$
401
  
$
1,270
 
                     
      
Home equity
  
Other
         
(In thousands)
 
Tax exempt
  
and junior liens
  
consumer
  
Unallocated
  
Total
 
Specifically reserved
 
$
-
  
$
2
  
$
-
  
$
-
  
$
960
 
Historical loss rate
  
-
   
26
   
25
   
-
   
321
 
Qualitative factors
  
3
   
322
   
93
   
-
   
4,425
 
   Total
 
$
3
  
$
350
  
$
118
  
$
-
  
$
5,706
 
XML 26 R15.htm IDEA: XBRL DOCUMENT v3.7.0.1
SERVICING
 12 Months Ended
Dec. 31, 2016
SERVICING [Abstract]  
SERVICING
NOTE 7: SERVICING

Loans serviced for others are not included in the accompanying consolidated statements of condition.  At December 31, 2016 and 2015, the Bank serviced 268 and 317 residential mortgage loans for others, respectively. The unpaid principal balances of mortgage loans serviced for others were $17.0 million and $20.9 million at December 31, 2016 and 2015, respectively.  The balance of capitalized servicing rights included in other assets at December 31, 2016 and 2015, was $40,000 and $52,000, respectively.

The following summarizes mortgage servicing rights capitalized and amortized:

(In thousands)
 
2016
  
2015
 
Mortgage servicing rights capitalized
 
$
-
  
$
-
 
Mortgage servicing rights amortized
 
$
12
  
$
14
 
XML 27 R16.htm IDEA: XBRL DOCUMENT v3.7.0.1
PREMISES AND EQUIPMENT
 12 Months Ended
Dec. 31, 2016
PREMISES AND EQUIPMENT [Abstract]  
PREMISES AND EQUIPMENT
NOTE 8: PREMISES AND EQUIPMENT

A summary of premises and equipment at December 31, is as follows:

(In thousands)
 
2016
  
2015
 
Land
 
$
2,205
  
$
2,176
 
Buildings
  
13,704
   
12,111
 
Furniture, fixtures and equipment
  
12,948
   
11,194
 
Construction in progress
  
455
   
2,502
 
   
29,312
   
27,983
 
Less: Accumulated depreciation
  
14,135
   
13,149
 
 
 
$
15,177
  
$
14,834
 
XML 28 R17.htm IDEA: XBRL DOCUMENT v3.7.0.1
FORECLOSED REAL ESTATE
 12 Months Ended
Dec. 31, 2016
FORECLOSED REAL ESTATE [Abstract]  
FORECLOSED REAL ESTATE
NOTE 9:  FORECLOSED REAL ESTATE

The Company is required to disclose the carrying amount of foreclosed residential real estate properties held as a result of obtaining physical possession of the property at each reporting period.

     
December 31,
    
December 31,
 
(Dollars in thousands)
 
Number of properties
  
2016
  
Number of properties
  
2015
 
Foreclosed residential real estate
  
7
  
$
393
   
2
  
$
182
 

At December 31, 2016, the Company reported $659,000 in residential real estate loans in the process of foreclosure.
XML 29 R18.htm IDEA: XBRL DOCUMENT v3.7.0.1
GOODWILL AND INTANGIBLE ASSETS
 12 Months Ended
Dec. 31, 2016
GOODWILL AND INTANGIBLE ASSETS [Abstract]  
GOODWILL AND INTANGIBLE ASSETS
NOTE 10: GOODWILL AND INTANGIBLE ASSETS

Goodwill represents the excess cost of an acquisition over the fair value of the net assets acquired. Goodwill is not amortized, but is evaluated annually for impairment or between annual evaluations in certain circumstances. Management performs an annual assessment of the Company's goodwill to determine whether or not any impairment of the carrying value may exist.

Of the $4.5 million of goodwill carried on the Company's books as of December 31, 2016, $3.8 million of this amount was due to prior periods acquisitions of bank branches and $696,000 was due to the 2013 acquisition of the FitzGibbons Agency by Pathfinder Risk Management Company, Inc. and the 2015 acquisition of the Huntington Agency in suburban Syracuse.
 
The Company is permitted to assess qualitative factors to determine if it is more likely than not that the fair value of the reporting unit is less than the carrying value.  Based on the results of the assessment, management has determined that the carrying value of goodwill in the amount of $4.5 million is not impaired as of December 31, 2016.

The identifiable intangible asset of $198,000 as of December 31, 2016 was due to the acquisition of the FitzGibbons and Huntington Agencies and represents the amortized carrying amount of the customer lists intangible. The weighted average amortization period of this intangible asset is 7.0 years.

The gross carrying amount and annual amortization for this identifiable intangible asset are as follows:

  
December 31,
 
(In thousands)
 
2016
  
2015
 
       
Gross carrying amount
 
$
214
  
$
175
 
Addition due to Huntington Agency purchase
  
-
   
55
 
Amortization recognized in the year
  
(16
)
  
(16
)
Net amortizing intangibles
 
$
198
  
$
214
 

The estimated amortization expense for each of the five succeeding years ended December 31, is as follows:

(In thousands)
   
2017
 
$
16
 
2018
  
16
 
2019
  
16
 
2020
  
16
 
2021
  
16
 
Thereafter
  
118
 
 
 
$
198
 
XML 30 R19.htm IDEA: XBRL DOCUMENT v3.7.0.1
DEPOSITS
 12 Months Ended
Dec. 31, 2016
DEPOSITS [Abstract]  
DEPOSITS
NOTE 11: DEPOSITS

A summary of deposits at December 31 is as follows:

(In thousands)
 
2016
  
2015
 
Savings accounts
 
$
80,139
  
$
73,540
 
Time accounts
  
132,007
   
111,250
 
Time accounts of $250,000 or more
  
57,349
   
35,213
 
Money management accounts
  
14,718
   
14,081
 
MMDA accounts
  
192,692
   
146,862
 
Demand deposit interest-bearing
  
53,587
   
42,758
 
Demand deposit noninterest-bearing
  
75,282
   
61,679
 
Mortgage escrow funds
  
5,209
   
4,932
 
Total Deposits
 
$
610,983
  
$
490,315
 


At December 31, 2016, the scheduled maturities of time deposits are as follows:

(In thousands)
   
Year of Maturity:
   
2017
 
$
119,945
 
2018
  
38,693
 
2019
  
8,774
 
2020
  
14,313
 
2021
  
4,770
 
Thereafter
  
2,861
 
Total
 
$
189,356
 

In addition to deposits obtained from its business operations within its target market areas, the Bank also obtains brokered deposits through various programs administered by Promontory Interfinancial Network.

  
At December 31,
 
  
2016
  
2015
 
(In thousands)
 
Non-Brokered
  
Brokered
  
Total
  
Non-Brokered
  
Brokered
  
Total
 
Savings accounts
 
$
80,139
  
$
-
  
$
80,139
  
$
73,540
  
$
-
  
$
73,540
 
Time accounts
  
89,200
   
42,807
   
132,007
   
78,234
   
33,016
   
111,250
 
Time accounts of $250,000 or more
  
57,349
   
-
   
57,349
   
35,213
   
-
   
35,213
 
Money management accounts
  
14,718
   
-
   
14,718
   
14,081
   
-
   
14,081
 
MMDA accounts
  
105,755
   
86,937
   
192,692
   
99,187
   
47,675
   
146,862
 
Demand deposit interest-bearing
  
53,587
   
-
   
53,587
   
42,758
   
-
   
42,758
 
Demand deposit noninterest-bearing
  
75,282
   
-
   
75,282
   
61,679
   
-
   
61,679
 
Mortgage escrow funds
  
5,209
   
-
   
5,209
   
4,932
   
-
   
4,932
 
Total Deposits
 
$
481,239
  
$
129,744
  
$
610,983
  
$
409,624
  
$
80,691
  
$
490,315
 
XML 31 R20.htm IDEA: XBRL DOCUMENT v3.7.0.1
BORROWED FUNDS
 12 Months Ended
Dec. 31, 2016
BORROWED FUNDS [Abstract]  
BORROWED FUNDS
NOTE 12: BORROWED FUNDS

The composition of borrowings (excluding subordinated loans) at December 31 is as follows:

(In thousands)
 
2016
  
2015
 
Short-term:
      
FHLB Advances
 
$
42,000
  
$
24,800
 
Deferred fees hedging
  
(53
)
  
-
 
Total short-term borrowings
 
$
41,947
  
$
24,800
 
Long-term:
        
FHLB advances
 
$
17,000
  
$
16,500
 
Total long-term borrowings
 
$
17,000
  
$
16,500
 

The principal balances, interest rates and maturities of the remaining borrowings, all of which are at a fixed rate, at December 31, 2016 are as follows:

Term
 
Principal
  
Rates
 
(Dollars in thousands)
      
Advances with FHLB
      
due within 1 year
 
$
7,000
   
0.78-2.56
%
due within 2 years
  
2,000
   
1.04
%
due within 10 years
  
8,000
   
1.16-2.55
%
Total advances with FHLB
 
$
17,000
     
Total long-term fixed rate borrowings
 
$
17,000
     

At December 31, 2016, scheduled repayments of long-term debt are as follows:

(In thousands)
   
2017
 
$
7,000
 
2018
  
2,000
 
2019
  
5,000
 
2020
  
1,000
 
2021
  
-
 
Thereafter
  
2,000
 
  
$
17,000
 

The Company has access to Federal Home Loan Bank advances, under which it can borrow at various terms and interest rates.  Residential mortgage loans with a carrying value of $140.3 million and FHLB stock with a carrying value of $3.3 million have been pledged by the Company under a blanket collateral agreement to secure the Company's borrowings at December 31, 2016.  The total outstanding indebtedness under borrowing facilities with the FHLB cannot exceed the total value of the assets pledged under the blanket collateral agreement.  The Company has a $12.9 million line of credit available at December 31, 2016 with the Federal Reserve Bank of New York through its Discount Window and has pledged various corporate and municipal securities against the line. The Company has $14.4 million in lines of credit available with three other correspondent banks. $9.4 million of that line of credit is available on an unsecured basis and the remaining $5.0 million must be collateralized with marketable investment securities. Interest on the lines is determined at the time of borrowing.
XML 32 R21.htm IDEA: XBRL DOCUMENT v3.7.0.1
SUBORDINATED LOANS
 12 Months Ended
Dec. 31, 2016
SUBORDINATED LOANS [Abstract]  
SUBORDINATED LOANS
NOTE 13: SUBORDINATED LOANS

The Company has a non-consolidated subsidiary trust, Pathfinder Statutory Trust II, of which the Company owns 100% of the common equity.  The Trust issued $5,000,000 of 30-year floating rate Company-obligated pooled capital securities of Pathfinder Statutory Trust II ("Floating-Rate Debentures").  The Company borrowed the proceeds of the capital securities from its subsidiary by issuing floating rate junior subordinated deferrable interest debentures having substantially similar terms.  The capital securities mature in 2037 and are treated as Tier 1 capital by the Federal Deposit Insurance Corporation and the Federal Reserve Board ("FRB").  The capital securities of the trust are a pooled trust preferred fund of Preferred Term Securities VI, Ltd. and are tied to the 3-month LIBOR (1.00%) plus 1.65% for a total of 2.65% at December 31, 2016 with a five-year call provision.  The Company guarantees all of these securities.

The Company's equity interest in the trust subsidiary of  is included in other assets on the Consolidated Statements of Financial Condition at December 31, 2016 and 2015.  For regulatory reporting purposes, the Federal Reserve has indicated that the preferred securities will continue to qualify as Tier 1 Capital subject to previously specified limitations, until further notice. If regulators make a determination that Trust Preferred Securities can no longer be considered in regulatory capital, the securities become callable and the Company may redeem them.
 
On October 15, 2015, the Company executed the $10.0 million non-amortizing subordinated loan with an unrelated third party that is scheduled to mature on October 1, 2025. The Company has the right to prepay the subordinated loan at any time after October 15, 2020 without penalty. The terms of the subordinated loan required interest payments at an annual interest rate of 3.50% from October 15, 2015 to February 29, 2016. The annual interest rate charged the Company increased to 6.25% on March 1, 2016 through the maturity date.  The Subordinated Loan is senior in the Company's credit repayment hierarchy only to the Company's common equity and, as a result, qualifies as Tier 2 capital for all future periods when applicable.  The Company paid $172,000 in origination and legal fees as part of this transaction.  These fees will be amortized over the life of the subordinated loan through its first call date using the effective interest method.  The effective cost of funds related to this transaction is 6.44% calculated under this method.

The composition of subordinated loans at December 31 is as follows:

(In thousands)
 
2016
  
2015
 
Subordinated loans:
      
Junior subordinated debenture
 
$
5,155
  
$
5,155
 
Subordinated loan
  
9,870
   
9,836
 
Total subordinated loans
 
$
15,025
  
$
14,991
 

The principal balances, interest rates and maturities of the subordinated loans at December 31, 2016 are as follows:

Term
 
Principal
  
Rates
 
(Dollars in thousands)
      
Subordinated loans:
      
due within 10 years
 
$
9,870
   
6.48
%
due within 21 years
  
5,155
  
3-Month Libor + 1.65%
 
Total subordinated loans
 
$
15,025
     

At December 31, 2016, scheduled repayments of the subordinated loans:

(In thousands)
   
2017
 
$
-
 
2018
  
-
 
2019
  
-
 
2020
  
-
 
2021
  
-
 
Thereafter
  
15,025
 
  
$
15,025
 
XML 33 R22.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS
 12 Months Ended
Dec. 31, 2016
EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS [Abstract]  
EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS
NOTE 14:  EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS

The Company has a noncontributory defined benefit pension plan covering substantially all employees. The plan provides defined benefits based on years of service and final average salary. On May 14, 2012, the Company informed its employees of its decision to freeze participation and benefit accruals under the plan, primarily to reduce some of the volatility in earnings that can accompany the maintenance of a defined benefit plan.  The plan was frozen on June 30, 2012.  Compensation earned by employees up to June 30, 2012 is used for purposes of calculating benefits under the plan but there will be no future benefit accruals after this date.  Participants as of June 30, 2012 will continue to earn vesting credit with respect to their frozen accrued benefits as they continue to work. In addition, the Company provides certain health and life insurance benefits for a limited number of eligible retired employees.  The healthcare plan is contributory with participants' contributions adjusted annually; the life insurance plan is noncontributory.  Employees with less than 14 years of service as of January 1, 1995, are not eligible for the health and life insurance retirement benefits.
 
The following tables set forth the changes in the plans' benefit obligations, fair value of plan assets and the plans' funded status as of December 31:

  
Pension Benefits
  
Postretirement Benefits
 
(In thousands)
 
2016
  
2015
  
2016
  
2015
 
Change in benefit obligations:
            
Benefit obligations at beginning of year
 
$
9,319
  
$
9,679
  
$
159
  
$
356
 
Service cost
  
-
   
-
   
-
   
-
 
Interest cost
  
464
   
468
   
8
   
17
 
Actuarial gain
  
(231
)
  
(586
)
  
-
   
(201
)
Benefits paid
  
(229
)
  
(242
)
  
(13
)
  
(13
)
Benefit obligations at end of year
  
9,323
   
9,319
   
154
   
159
 
Change in plan assets:
                
Fair value of plan assets at beginning of year
  
12,808
   
13,125
   
-
   
-
 
Actual return on plan assets
  
1,055
   
(75
)
  
-
   
-
 
Benefits paid
  
(229
)
  
(242
)
  
(13
)
  
(13
)
Employer contributions
  
-
   
-
   
13
   
13
 
Fair value of plan assets at end of year
  
13,634
   
12,808
   
-
   
-
 
Funded Status - asset (liability)
 
$
4,311
  
$
3,489
  
$
(154
)
 
$
(159
)

The funded status of the pension was recorded within other assets on the statement of condition.  The unfunded status of the postretirement plan is recorded as a liability on the statement of condition.

Amounts recognized in accumulated other comprehensive loss as of December 31 are as follows:

  
Pension Benefits
  
Postretirement Benefits
 
(In thousands)
 
2016
  
2015
  
2016
  
2015
 
Net loss/(gain)
 
$
2,685
  
$
3,245
  
$
(165
)
 
$
(172
)
Tax Effect
  
1,074
   
1,298
   
(66
)
  
(69
)
 
 
$
1,611
  
$
1,947
  
$
(99
)
 
$
(103
)

Gains and losses in excess of 10% of the greater of the benefit obligation or the fair value of assets are amortized over the average remaining service period of active participants. 

The Company utilized the actual projected cash flows of the participants in both plans for the years ended December 31, 2016 and December 31, 2015.  The following points address the approach taken.

1.
An analysis of the defined benefit pension plan's expected future cash flows and high-quality fixed income investments currently available and expected to be available during the period to maturity of the pension benefits yielded a single discount rate of 5.15% at December 31, 2016.
 
2.
An analysis of the postretirement health plan's expected future cash flows and high-quality fixed-income investments currently available and expected to be available during the period to maturity of the retiree medical benefits yielded a single discount rate of 5.32% at December 31, 2016.

3.
Each discount rate was developed by matching the expected future cash flows of Pathfinder Bank to high quality bonds.  Every bond considered has earned ratings of at least AA by Fitch Group, AA by Standard & Poor's, or Aa2 by Moody's Investor Services.

The accumulated benefit obligation for the defined benefit pension plan was $9.3 million at December 31, 2016 and 2015.  The postretirement plan had an accumulated benefit obligation of $154,000 and $159,000 at December 31, 2016 and 2015, respectively.

The significant assumptions used in determining the benefit obligations as of December 31, are as follows:

  
Pension Benefits
  
Postretirement Benefits
 
 
 
2016
  
2015
  
2016
  
2015
 
Weighted average discount rate
  
5.15
%
  
5.05
%
  
5.32
%
  
5.23
%
Rate of increase in future compensation levels
  
-
   
-
   
-
   
-
 

Assumed health care cost trend rates have a significant effect on the amounts reported for the postretirement health care plan.   The annual rates of increase in the per capita cost of covered medical and prescription drug benefits for future years were assumed to be 6.25% for 2017, gradually decreasing to 5.00% in 2022 and remain at that level thereafter.

The composition of the net periodic benefit plan cost for the years ended December 31 is as follows:

  
Pension Benefits
  
Postretirement Benefits
 
(In thousands)
 
2016
  
2015
  
2016
  
2015
 
Service cost
 
$
-
  
$
-
  
$
-
  
$
-
 
Interest cost
  
464
   
468
   
8
   
17
 
Expected return on plan assets
  
(951
)
  
(975
)
  
-
   
-
 
Amortization of transition obligation
  
-
   
-
   
-
   
-
 
Amortization of net losses/(gains)
  
226
   
180
   
(3
)
  
5
 
Amortization of unrecognized past service liability
  
-
   
-
   
(5
)
  
(5
)
Net periodic benefit plan (benefit) cost
 
$
(261
)
 
$
(327
)
 
$
-
  
$
17
 

The significant assumptions used in determining the net periodic benefit plan cost for years ended December 31, were as follows:
 
  
Pension Benefits
  
Postretirement Benefits
 
 
 
2016
  
2015
  
2016
  
2015
 
Weighted average discount rate
  
5.05
%
  
4.90
%
  
5.23
%
  
4.98
%
Expected long term rate of return on plan assets
  
7.50
%
  
7.50
%
  
-
   
-
 
Rate of increase in future compensation levels
  
-
   
-
   
-
   
-
 

The long term rate of return on assets assumption was set based on historical returns earned by equities and fixed income securities, adjusted to reflect expectations of future returns as applied to the plan's target allocation of asset classes.  Equities and fixed income securities were assumed to earn real rates of return in the ranges of 6.0%-8.0% and 3.0%-5.0%, respectively.  The long-term inflation rate was estimated to be 2.5%.  When these overall return expectations are applied to the plan's target allocation, the expected rate of return was determined to be in the range of 5.0% to 7.0%.  Management chose to use a 7.5% expected long-term rate of return in 2016 and a 7.0% expected long-term rate of return in 2017 reflecting current economic conditions and expected rates of return.  Based on the $13.6 million fair value of plan assets at December 31, 2016, each 50 basis point decrease in the expected long-term rate of return would reduce after tax net income by approximately $42,000.
 
The estimated net actuarial loss that will be amortized from accumulated other comprehensive loss into net periodic benefit plan cost during 2017 is $154,000.  The estimated amortization of the unrecognized transition obligation and actuarial gain for the post retirement health plan in 2017 is $3,000.  The expected net periodic benefit plan benefit for 2017 is estimated to be $318,000 for both retirement plans in aggregate.

Plan assets are invested in four diversified investment funds of the Pentegra Retirement Trust (the "Trust", formerly known as RSI Retirement Trust), a private placement investment fund.  The Trust has been given discretion by the Plan Sponsor to determine the appropriate strategic asset allocation versus plan liabilities, as governed by the Trust's Investment Policy Statement.  The Plan is structured to utilize a Liability Driven Investment (LDI) approach which seeks to fund the current and future liabilities of the Plan and aims to mitigate funded status and contribution volatility.  The fair value of plan assets is determined primarily through direct observations of market pricing for the underlying assets within the investment fund.  Where direct pricing observations are not available, fair value is determined by observations of market pricing for similar securities actively traded within publically accessible markets.

The Plan's asset allocation targets to hold 38% of assets in equity securities via investment in the Long-Term Growth – Equity Portfolio ('LTGE'), 16% in intermediate-term investment grade bonds via investment in the Long-Term Growth – Fixed-Income Portfolio ('LTGFI'), 35% in long duration bonds via the Liability Focused Fixed-Income Portfolio ('LFFI'), 10% in an alternative asset fund (the ALT Portfolio), and 1% in a cash equivalents portfolio (for liquidity).

LTGE is a diversified portfolio that invests in a number of actively and passively managed equity-focused mutual funds and collective investment trusts.  The Portfolio holds a diversified mix of equity funds in order to gain exposure to the U.S. and non-U.S. equity markets.  LTGFI is a diversified portfolio that invests in a number of fixed-income mutual funds and collective investment trusts.  The Portfolio invests primarily in intermediate-term bond funds with a focus on Core Plus fixed-income investment approaches.  LFFI is a diversified high quality fixed-income portfolio that currently invests in passively managed collective investment trusts that hold long duration bonds.  The ALT Portfolio invests in professionally managed private funds that hold alternative assets.  The Portfolio currently invests in three long/short equity hedge funds.

The investment objectives, investment strategies and risk of each of the daily valued and unitized Portfolios and the funds held within the Portfolios are detailed in the Private Placement Memorandum and the Trust's Investment Policy Statement.

The long-term investment objectives are to maintain plan assets at a level that will sufficiently cover long-term obligations and to generate a return on plan assets that will meet or exceed the rate at which long-term obligations will grow.  The LTGE and LTGFI Portfolios are designed to provide long-term growth of equity and fixed-income assets with the objective of achieving an investment return in excess of the cost of funding the active life, deferred vested, and all 30-year term and longer obligations of retired lives in the Trust.  The LFFI Portfolio is designed to fund the Trust's estimated retired lives class of liabilities for 30 years.  The ALT Strategy is designed to add diversification via the addition of relatively low correlation assets.  Risk/volatility is further managed by the distinct investment objectives of each of the Trust's Portfolios. A broadly diversified combination of equity and fixed income portfolios and various risk management techniques are used to help achieve these objectives.

In addition, significant consideration is paid to the plan's funding levels when determining the overall asset allocation.  If the plan is considered to be well-funded, approximately 65% of the plan's assets are allocated to equities and approximately 35% allocated to fixed-income.  Asset rebalancing normally occurs when the equity and fixed-income allocations vary by more than 10% from their respective targets (i.e., a 10% policy range guideline).
Pension plan assets measured at fair value are summarized below:

  
At December 31, 2016
 
           
Total Fair
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Value
 
Asset Category:
            
Mutual funds - equity
            
Large-cap value (a)
 
$
-
  
$
958
  
$
-
  
$
958
 
Large-cap Growth (b)
  
-
   
860
   
-
   
860
 
Large-cap Core (c)
  
-
   
609
   
-
   
609
 
                 
   Mid-cap Value (d)
  
-
   
204
   
-
   
204
 
Mid-cap Growth (e)
  
-
   
186
   
-
   
186
 
Mid-cap Core (f)
  
-
   
209
   
-
   
209
 
                 
Small-cap Value (g)
  
-
   
167
   
-
   
167
 
    Small-cap Growth (h)
  
-
   
140
   
-
   
140
 
Small-cap Core (i)
  
-
   
312
   
-
   
312
 
                 
    International Equity (j)
  
-
   
1,131
   
-
   
1,131
 
Equity -Total
  
-
   
4,776
   
-
   
4,776
 
                 
Fixed Income Funds
                
     Fixed Income-US Core (k)
  
-
   
1,695
   
-
   
1,695
 
     Intermediate Duration (l)
  
-
   
2,932
   
-
   
2,932
 
     Long Duration (m)
  
-
   
2,474
   
-
   
2,474
 
      Fixed Income-Total
  
-
   
7,101
   
-
   
7,101
 
                 
Long/Short Equity(n)
  
-
   
1,165
   
-
   
1,165
 
Company Common Stock
  
-
   
-
   
-
   
-
 
Cash Equivalents-Money market*
  
70
   
522
   
-
   
592
 
                 
Total
 
$
70
  
$
13,564
  
$
-
  
$
13,634
 
 
  
At December 31, 2015
 
           
Total Fair
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Value
 
Asset Category:
            
Mutual funds - equity
            
Large-cap value (a)
 
$
-
  
$
696
  
$
-
  
$
696
 
Large-cap Growth (b)
  
-
   
783
   
-
   
783
 
Large-cap Core (c)
  
-
   
510
   
-
   
510
 
                 
   Mid-cap Value (d)
  
-
   
166
   
-
   
166
 
Mid-cap Growth (e)
  
-
   
163
   
-
   
163
 
Mid-cap Core (f)
  
-
   
162
   
-
   
162
 
                 
Small-cap Value (g)
  
-
   
119
   
-
   
119
 
    Small-cap Growth (h)
  
-
   
117
   
-
   
117
 
Small-cap Core (i)
  
-
   
238
   
-
   
238
 
                 
    International Equity (j)
  
-
   
996
   
-
   
996
 
Equity -Total
  
-
   
3,950
   
-
   
3,950
 
                 
Fixed Income Funds
                
     Fixed Income-US Core (k)
  
-
   
1,578
   
-
   
1,578
 
     Intermediate Duration (l)
  
-
   
2,865
   
-
   
2,865
 
     Long Duration (m)
  
-
   
2,347
   
-
   
2,347
 
      Fixed Income-Total
  
-
   
6,790
   
-
   
6,790
 
                 
Long/Short Equity(n)
  
-
   
1,793
   
-
   
1,793
 
Company Common Stock
  
-
   
-
   
-
   
-
 
Cash Equivalents-Money market*
  
72
   
203
   
-
   
275
 
                 
Total
 
$
72
  
$
12,736
  
$
-
  
$
12,808
 
*Includes cash equivalents investments in equity and fixed income strategies
         

(a)
This category contains large-cap stocks with above-average yield.  The portfolio typically holds between 60 and 70 stocks.
(b)
This category seeks long-term capital appreciation by investing primarily in large growth companies based in the U.S.
(c)
This fund tracks the performance of the S&P 500 index by purchasing the securities represented in the index in approximately the same weightings as the index.
(d)
This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Value Index.
(e)
This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Growth Index.
(f)
This category seeks to track the performance of the S&P Midcap 400 Index.
(g)
This category consists of a selection of investments based on the Russell 2000 Value Index.
(h)
This category consists of a selection of investments based on the Russell 2000 Growth Index.
(i)
This category consists of an index fund designed to track the Russell 2000, along with a fund investing in readily marketable securities of U.S. companies with market capitalizations within the smallest 10% of the market universe, or smaller than the 1000th largest US company.
(j)
This category has investments in medium to large non-US companies, including high quality, durable growth companies and companies based in countries with stable economic and political systems.  A portion of this category consists of an index fund designed to track the MSC ACWI ex-US Net Dividend Return Index.
(k)
This category currently includes equal investments in three mutual funds, two of which usually hold at least 80% of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that index.  The third fund targets investments of 50% or more in mortgage-backed securities guaranteed by the US government and its agencies.
(l)
This category consists mostly of a fund which seeks to track the Barclays Capital US Corporate A or Better 5-20 Year, Bullets only Index, along with a diversified mutual fund holding fixed income securities rated A or better.
(m)
This category consists of a fund that seeks to approximate the performance of the Barclays Capital US Corporate A or Better, 20+ Year Bullets Only Index over the long term.
(n)
This category currently invests in three long/short equity hedge funds.

For the fiscal year ending December 31, 2017, the Company expects to contribute approximately $13,000 to the postretirement plan.
 
The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid from both retirement plans:
 
  
Pension
  
Postretirement
    
(In thousands)
 
Benefits
  
Benefits
  
Total
 
Years ending December 31:
         
2017
 
$
266
  
$
13
  
$
279
 
2018
  
282
   
13
   
295
 
2019
  
292
   
13
   
305
 
2020
  
312
   
13
   
325
 
2021
  
329
   
12
   
341
 
Years 2022-2026
  
2,175
   
60
   
2,235
 

The Company also offers a 401(k) plan to its employees.  Contributions to this plan by the Company were $300,000 and $269,000 for 2016 and 2015, respectively. In addition, the Company made a $219,000 safe harbor contribution to the plan in 2016.

The Company maintains optional deferred compensation plans for its directors and certain executive officers, whereby fees and income normally received are deferred and paid by the Company based upon a payment schedule commencing at age 65 and continuing monthly for 10 years. Directors must serve on the board for a minimum of 5 years to be eligible for the Plan. At December 31, 2016 and 2015, other liabilities include approximately $2.4 million and $2.2 million, respectively, relating to deferred compensation. Deferred compensation expense for the years ended December 31, 2016 and 2015 amounted to approximately $339,000 and $310,000, respectively.

The Company has a supplemental executive retirement plan ("SERP") for the benefit of a retired Chief Executive Officer at December 31, 2016.  At December 31, 2016 and 2015, other liabilities included approximately $0 and $15,000, respectively, accrued under this plan related to the retired CEO.  Compensation expense includes approximately $0 relating to this supplemental executive retirement plan for the year ended December 31, 2016 and $4,000 for the year ended December 31, 2015.  This plan fully paid out during 2016.

To assist in the funding of the Company's benefits under the supplemental executive retirement plan and deferred compensation plans, the Company is the owner of single premium life insurance policies on selected participants.  At December 31, 2016 and 2015, the cash surrender values of these policies were $11.5 million and $10.6 million, respectively.

The Bank adopted a Defined Contribution Supplemental Executive Retirement Plan (the "SERP"), effective January 1, 2014.  The SERP benefits certain key senior executives of the Bank who are selected by the Board to participate, including our Named Executive Officers.  The SERP is intended to provide a benefit from the Bank upon retirement, death, disability or voluntary or involuntary termination of service (other than "for cause"), subject to the requirements of Section 409A of the Internal Revenue Code.  Accordingly, the SERP obligates the Bank to make a contribution to each executive's account on the last business day of each calendar year.  In addition, the Bank, may, but is not required to, make additional discretionary contributions to the executive's accounts from time to time.  All executives currently participating in the plan, including the Named Executive Officers, are fully vested in the Bank's contribution to the plan.  In the event the executive is terminated involuntarily or resigns for good reason within 24 months following a change in control, the Bank is required to make additional annual contributions the lesser of:  (1) three years or (2) the number of years remaining until the executive's benefit age, subject to potential reduction to avoid an excess parachute payment under Code Section 280G.  In the event of the executive's death, disability or termination within 24 months after a change in control, the executive's account will be paid in a lump sum to the executive or his beneficiary, as applicable.  In the event the executive is entitled to a benefit from the SERP due to retirement or other termination of employment, the benefit will be paid either in a lump sum or in 10 annual installments as detailed in his or her participant agreement.  At December 31, 2016, other liabilities included $473,000 accrued under this plan.
XML 34 R23.htm IDEA: XBRL DOCUMENT v3.7.0.1
STOCK BASED COMPENSATION PLANS
 12 Months Ended
Dec. 31, 2016
STOCK BASED COMPENSATION PLANS [Abstract]  
STOCK BASED COMPENSATION PLANS
NOTE 15:  STOCK BASED COMPENSATION PLANS

All share and per share values have been adjusted, where appropriate, by the 1.6472 exchange rate used in the Conversion and Offering that occurred on October 16, 2014.

The April 2010 Stock Option Plan

In June 2011, the board of directors of the Company approved the grant of stock option awards to its directors and executive officers under the 2010 Stock Option Plan that had 247,080 shares authorized for award.  A total of 74,124 stock option awards were granted to the nine directors of the Company, at that time, and 123,540 stock option awards, in total, were granted to the Chief Executive Officer and the Company's then four senior vice presidents.  The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or June 2021.  The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 2.2%; volatility factors of the expected market price of the Company's common stock of 0.45; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.49%. Based upon these assumptions, the weighted average fair value of options granted was $2.29.

In July 2013, the board of directors of the Company approved the grant of 16,472 stock option awards in total to two newly elected directors of the Company.  The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or July 2023.  The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 2.0%; volatility factors of the expected market price of the Company's common stock of 0.45; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.0%. Based upon these assumptions, the weighted average fair value of options granted was $3.69.

In November 2015, the board of directors of the Company approved the grant of 16,472 stock option awards in total to two newly elected directors of the Company.  The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or November 2025.  The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 1.9%; volatility factors of the expected market price of the Company's common stock of 0.23; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.4%. Based upon these assumptions, the weighted average fair value of options granted was $2.56.

In April 2016, the board of directors of the Company approved the grant of 47,768 stock option awards in total to three officers and one recently promoted senior officer.  The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or April 2026.  The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 1.6%; volatility factors of the expected market price of the Company's common stock of 0.32; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.55%. Based upon these assumptions, the weighted average fair value of options granted was $3.17.

The May 2016 Stock Option Plan

In May 2016, the board of directors of the Company approved the grant of stock option awards to its directors, executive Officers, senior officers and officers under the 2016 Equity Incentive Plan that was approved at the Annual Meeting of Shareholders on May 4, 2016 when 263,605 shares were authorized for award.
 
A total of 79,083 stock option awards were granted to the nine directors of the Company and 44,812 stock option awards, in total, were granted to thirteen officers.  The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or May 2026.  The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 1.6%; volatility factors of the expected market price of the Company's common stock of 0.32; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.55%. Based upon these assumptions, the weighted average fair value of options granted was $3.32.

A total of 92,261 stock option awards, in total, were granted to the Chief Executive Officer, two executive officers and three senior officers.  The awards will vest ratably over seven years (approximately 14.28% per year for each year of the participant's service with the Company) with the exception of one senior officer whose awards will vest upon retirement on August 1, 2017 and will expire ten years from the date of the grant, or May 2026.  The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 1.7%; volatility factors of the expected market price of the Company's common stock of 0.32; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.55%. Based upon these assumptions, the weighted average fair value of options granted was $3.59.

Activity in the stock option plans is as follows:

     
Weighted
    
  
Options
  
Average
  
Shares
 
(Shares in thousands)
 
Outstanding
  
Exercise Price
  
Exercisable
 
Outstanding at December 31, 2014
  
170
  
$
5.75
   
95
 
Granted
  
17
  
$
11.09
   
-
 
Newly vested
  
-
   
5.75
   
35
 
Exercised
  
(2
)
  
-
   
(2
)
Expired
  
-
   
-
   
-
 
Outstanding at December 31, 2015
  
185
  
$
5.75
   
128
 
Granted
  
264
  
$
11.25
   
-
 
Newly vested
  
-
   
6.21
   
37
 
Exercised
  
(26
)
  
-
   
(26
)
Expired
  
-
   
-
   
-
 
Outstanding at December 31, 2016
  
423
  
$
6.21
   
139
 

The aggregate intrinsic value of a stock option represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had all option holders exercised their options prior to the expiration date.  The intrinsic value can change based on fluctuations in the market value of the Company's stock.  At December 31, 2016, the intrinsic value of the stock options was $1.7 million.  At December 31, 2015, the intrinsic value of the stock options was $1.2 million.

At December 31, 2016, there were 422,940 options outstanding, of which 139,246 were exercisable at an average exercise price of $5.80, and an average remaining contractual life of 4.7 years.

The May 2016 Restricted Stock Awards

In May 2016, the board of directors of the Company approved the grant of restricted stock awards to its directors, executive officers, senior officers and officers under the 2016 Equity Incentive Plan that was approved at the Annual Meeting of Shareholders on May 4, 2016 when 105,442 shares were authorized for award.  A total of 31,635 restricted stock awards were granted to the nine directors of the Company and 8,436 restricted stock awards, in total, were granted to two officers.  The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) with the exception of one senior officer whose awards will vest upon retirement on August 1, 2017.

The compensation expense of the awards is based on the fair value of the instruments on the date of grant.  The Company recorded compensation expense in the amount of $264,000 and $85,000 in 2016 and 2015, respectively, and is expected to record $328,000, $323,000, $316,000, $314,000, $176,000, $113,000 and $38,000 in 2017 through 2023.
XML 35 R24.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE STOCK OWNERSHIP PLAN
 12 Months Ended
Dec. 31, 2016
EMPLOYEE STOCK OWNERSHIP PLAN [Abstract]  
EMPLOYEE STOCK OWNERSHIP PLAN
NOTE 16:  EMPLOYEE STOCK OWNERSHIP PLAN

The Bank established the Pathfinder Bank Employee Stock Ownership Plan ("Plan") to purchase stock of the Company for the benefit of its employees.  In July 2011, the Plan received a $1.1 million loan from Community Bank, N.A., guaranteed by the Company, to fund the Plan's purchase of 125,000 shares of the Company's treasury stock.  The loan was being repaid in equal quarterly installments of principal plus interest over ten years beginning October 1, 2011.  Interest accrued at the Wall Street Journal Prime Rate plus 1.00%, and was secured by the unallocated shares of the ESOP stock.  This loan was refinanced in connection with the Conversion and Offering that occurred on October 16, 2014.

In connection with the Conversion and Offering, the ESOP purchased 105,442 shares issued in the offering by obtaining a loan from the Company which was used to purchase both the additional shares and refinance the remaining outstanding balance on the loan from Community Bank N.A.  There were 138,982.5 shares associated with the refinanced loan resulting in a total of 244,424.5 shares associated with the new loan provided by the Company.

The ESOP loan from the Company has a ten year term and is being repaid in equal payments of principal and interest under a fixed rate of interest equal to 3.25% which was the prime rate of interest on the date of the closing of the offering.  This ESOP loan from the Company, also referred to as an internally leveraged ESOP, does not appear as a liability on the Company's consolidated statement of condition as of December 31, 2016 in accordance with ASC 718-40-25-9d.

In accordance with the payment of principal on the loan, a proportionate number of shares are allocated to the employees over the ten year time horizon of the loan.  Participants' vesting interest in the shares of Company stock is at the rate of 20% per year. Compensation expense is recorded based on the number of shares released to the participants times the average market value of the Company's stock over that same period.  Dividends on unallocated shares, recorded as compensation expense on the income statement, are made available to the participants' account. The Company recorded $333,000 and $305,000 in compensation expense in 2016 and 2015, respectively, including $40,000 and $36,000 for dividends on unallocated shares in these same time periods.  At December 31, 2016, there were 189,429 unearned ESOP shares with a fair value of $2.6 million.
XML 36 R25.htm IDEA: XBRL DOCUMENT v3.7.0.1
INCOME TAXES
 12 Months Ended
Dec. 31, 2016
INCOME TAXES [Abstract]  
INCOME TAXES
NOTE 17: INCOME TAXES

The provision for income taxes for the years ended December 31, is as follows:

(In thousands)
 
2016
  
2015
 
Current
 
$
1,360
  
$
955
 
Deferred
  
(249
)
  
116
 
 
 
$
1,111
  
$
1,071
 
         
The provision for income taxes includes the following:
        
         
(In thousands)
  
2016
   
2015
 
Federal Income Tax
 
$
980
  
$
929
 
State Tax
  
131
   
142
 
 
 
$
1,111
  
$
1,071
 

The components of the net deferred tax liability, included in other liabilities as of December 31, are as follows:
(In thousands)
 
2016
  
2015
 
Assets:
      
Deferred compensation
 
$
912
  
$
858
 
Allowance for loan losses
  
2,392
   
2,185
 
Postretirement benefits
  
56
   
61
 
Subordinated loan interest
  
37
   
-
 
Investment securities and financial derivative
  
1,229
   
-
 
Impairment losses on investment securities
  
88
   
155
 
Loan origination fees
  
184
   
66
 
Capital loss carryforward
  
62
   
120
 
Held-to-maturity securities
  
310
   
417
 
Other
  
166
   
121
 
Total
  
5,436
   
3,983
 
Liabilities:
        
Prepaid pension
  
(1,605
)
  
(1,336
)
Depreciation
  
(1,083
)
  
(1,011
)
Accretion
  
(211
)
  
(145
)
Loan origination fees
  
-
   
-
 
Intangible assets
  
(1,470
)
  
(1,470
)
Investment securities and financial derivative
  
-
   
(21
)
Mortgage servicing rights
  
(15
)
  
(20
)
Prepaid expenses and transaction fees
  
(204
)
  
(97
)
Total
  
(4,588
)
  
(4,100
)
   
848
   
(117
)
Less: deferred tax asset valuation allowance
  
(150
)
  
(265
)
Net deferred tax asset
 
$
698
  
$
(382
)

Realization of deferred tax assets is dependent upon the generation of future taxable income or the existence of sufficient taxable income within the carry back period.  A valuation allowance is provided when it is more likely than not that some portion, or all of the deferred tax assets, will not be realized.  In assessing the need for a valuation allowance, management considers the scheduled reversal of the deferred tax liabilities, the level of historical taxable income and the projected future level of taxable income over the periods in which the temporary differences comprising the deferred tax assets will be deductible.

The judgment about the level of future taxable income is inherently subjective and is reviewed on a continual basis as regulatory and business factors change. The valuation allowance of $150,000 at December 31, 2016 represents the portion of the deferred tax asset that management believes may not be realizable, as the Company may not generate sufficient capital gains in future years to offset its existing cumulative capital losses prior to the expiration of the related capital loss carryforward tax benefits.  The deferred tax allowance was $265,000 at December 31, 2015.  The $115,000 decrease in this allowance between December 31, 2015 and December 31, 2016, relates primarily to the reduction in current taxes payable resulting from capital gain income that was realized in 2016.

A reconciliation of the federal statutory income tax rate to the effective income tax rate for the years ended December 31, is as follows:

 
 
2016
  
2015
 
Federal statutory income tax rate
  
34.0
%
  
34.0
%
State tax, net of federal benefit
  
1.9
   
2.3
 
Tax-exempt interest income
  
(8.6
)
  
(8.1
)
Increase in value of bank owned life insurance less premiums paid
  
(2.0
)
  
(3.0
)
Change in valuation allowance
  
(2.6
)
  
(4.8
)
Other
  
2.5
   
6.4
 
Effective income tax rate
  
25.2
%
  
26.8
%
XML 37 R26.htm IDEA: XBRL DOCUMENT v3.7.0.1
COMMITMENTS AND CONTINGENCIES
 12 Months Ended
Dec. 31, 2016
COMMITMENTS AND CONTINGENCIES [Abstract]  
COMMITMENTS AND CONTINGENCIES
NOTE 18: COMMITMENTS AND CONTINGENCIES

The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit.  Such commitments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated statement of condition. The contractual amount of those commitments to extend credit reflects the extent of involvement the Company has in this particular class of financial instrument. The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of the instrument.  The Company uses the same credit policies in making commitments as it does for on-balance sheet instruments.

At December 31, 2016 and 2015, the following financial instruments were outstanding whose contract amounts represent credit risk:
 
  
Contract Amount
 
(In thousands)
 
2016
  
2015
 
Commitments to grant loans
 
$
46,649
  
$
20,168
 
Unfunded commitments under lines of credit
  
48,653
   
34,469
 
Unfunded commitments related to construction loans in progress
  
5,918
   
5,726
 
Standby letters of credit
  
1,900
   
1,884
 

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitment amounts are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management's credit evaluation of the counter party. Collateral held varies but may include residential real estate and income-producing commercial properties.  Loan commitments outstanding at December 31, 2016 with fixed interest rates amounted to approximately $7.8 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at December 31, 2016 with variable interest rates amounted to approximately $89.4 million.  These outstanding loan commitments carry current market rates.
 
Unfunded commitments under standby letters of credit, revolving credit lines and overdraft protection agreements are commitments for possible future extensions of credit to existing customers.  These lines of credit usually do not contain a specified maturity date and may not be drawn upon to the total extent to which the Company is committed.

Letters of credit written are conditional commitments issued by the Company to guarantee the performance of a customer to a third party.  Generally, all letters of credit, when issued have expiration dates within one year.  The credit risk involved in issuing letters of credit is essentially the same as those that are involved in extending loan facilities to customers.  The Company generally holds collateral and/or personal guarantees supporting these commitments.  Management believes that the proceeds obtained through a liquidation of collateral and the enforcement of guarantees would be sufficient to cover the potential amount of future payments required under the corresponding guarantees.  The amount of the liability as of December 31, 2016 and 2015 for guarantees under standby letters of credit issued is not material.

The Company leases land and leasehold improvements under agreements that expire in various years with renewal options over the next 30 years.  Rental expense, included in building occupancy expense, amounted to $149,000 for 2016 and $135,000 for 2015.

Approximate minimum rental commitments for non-cancelable operating leases are as follows:

Years Ending December 31:
   
(In thousands)
   
2017
  
147
 
2018
  
105
 
2019
  
62
 
2020
  
56
 
2021
  
31
 
Thereafter
  
293
 
Total minimum lease payments
 
$
694
 
XML 38 R27.htm IDEA: XBRL DOCUMENT v3.7.0.1
DIVIDENDS AND RESTRICTIONS
 12 Months Ended
Dec. 31, 2016
DIVIDENDS AND RESTRICTIONS [Abstract]  
DIVIDENDS AND RESTRICTIONS
NOTE 19: DIVIDENDS AND RESTRICTIONS

The Company's ability to pay dividends to its shareholders is largely dependent on the Bank's ability to pay dividends to the Company.  In addition to state law requirements and the capital requirements discussed in Note 20, federal statutes, regulations and policies limit the circumstances under which the Bank may pay dividends.  The amount of retained earnings legally available under these regulations approximated $10.4 million as of December 31, 2016.  Dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank's capital to be reduced below applicable minimum capital requirements.  The Bank made no dividend payments to the Company in the years ended December 31, 2016, December 31, 2015 or December 31, 2014.

Capital adequacy is evaluated primarily by the use of ratios which measure capital against total assets, as well as against total assets that are weighted based on defined risk characteristics.  The Company's goal is to maintain a strong capital position, consistent with the risk profile of its banking operations.  This strong capital position serves to support growth and expansion activities while at the same time exceeding regulatory standards.  At December 30, 2016, the Bank met the regulatory definition of a "well-capitalized" institution, i.e. a leverage capital ratio exceeding 5%, a Tier 1 risk-based capital ratio exceeding 8%, Tier 1 common equity exceeding 6.5%, and a total risk-based capital ratio exceeding 10%.
 
In addition to establishing the minimum regulatory capital requirements, the regulations limit capital distributions and certain discretionary bonus payments to management if the institution does not hold a "capital conservation buffer" consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets above the amount necessary to meet its minimum risk-based capital requirements.  The buffer is separate from the capital ratios required under the Prompt Corrective Action ("PCA") standards. In order to avoid these restrictions, the capital conservation buffer effectively increases the minimum the following capital to risk-weighted assets ratios: (1) Core Capital, (2) Total Capital and (3) Common Equity.  The capital conservation buffer requirement is being phased in beginning January 1, 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented at 2.5% on January 1, 2019. At December 30, 2016, the Bank exceeded all current and projected regulatory required minimum capital ratios, including the maximum capital buffer level that will be required on January 1, 2019.
XML 39 R28.htm IDEA: XBRL DOCUMENT v3.7.0.1
REGULATORY MATTERS
 12 Months Ended
Dec. 31, 2016
REGULATORY MATTERS [Abstract]  
REGULATORY MATTERS
NOTE 20: REGULATORY MATTERS

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

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain amounts and ratios (set forth in the table below) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined).

As of December 31, 2016, the Bank's most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as "well-capitalized", under the regulatory framework for prompt corrective action.  To be categorized as "well-capitalized", the Bank must maintain total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the tables below. There are no conditions or events since that notification that management believes have changed the Bank's category.

As noted above, the regulations also impose a "capital conservation buffer" consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets above the amount necessary to meet its minimum risk-based capital requirements.  The buffer is separate from the capital ratios required under the Prompt Corrective Action ("PCA") standards and imposes restrictions on dividend distributions and discretionary bonuses. In order to avoid these restrictions, the capital conservation buffer effectively increases the minimum the following capital to risk-weighted assets ratios: (1) Core Capital, (2) Total Capital and (3) Common Equity.  The capital conservation buffer requirement is being phased in beginning January 1, 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented at 2.5% on January 1, 2019. At December 30, 2016, the Bank exceeded all current and projected regulatory required minimum capital ratios, including the maximum capital buffer level that will be required on January 1, 2019.
 
The Bank's actual capital amounts and ratios as of December 31, 2016 and 2015 are presented in the following table.
 
  
Actual
  
Minimum For
Capital Adequacy Purposes
  
Minimum To Be
"Well-Capitalized"
Under Prompt
Corrective Provisions
  
Well-Capitalized
With Buffer, Fully
Phased In For 2019
 
(Dollars in thousands)
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
As of December 31, 2016
                        
Total core capital (to risk-weighted assets)
 
$
72,098
   
14.79
%
 
$
38,996
   
8.00
%
 
$
48,745
   
10.00
%
 
$
51,182
   
10.50
%
Tier 1 capital (to risk-weighted assets)
 
$
66,003
   
13.54
%
 
$
29,247
   
6.00
%
 
$
38,996
   
8.00
%
 
$
41,433
   
8.50
%
Tier 1 common equity (to risk-weighted assets)
 
$
66,003
   
13.54
%
 
$
21,935
   
4.50
%
 
$
31,684
   
6.50
%
 
$
34,121
   
7.00
%
Tier 1 capital (to adjusted assets)
 
$
66,003
   
9.06
%
 
$
29,154
   
4.00
%
 
$
36,443
   
5.00
%
 
$
36,443
   
5.00
%
As of December 31, 2015:
                                
Total core capital (to risk-weighted assets)
 
$
67,286
   
16.22
%
 
$
33,187
   
8.00
%
 
$
41,484
   
10.00
%
        
Tier 1 capital (to risk-weighted assets)
 
$
62,038
   
14.95
%
 
$
24,891
   
6.00
%
 
$
33,187
   
8.00
%
        
Tier 1 common equity (to risk-weighted assets)
 
$
62,038
   
14.95
%
 
$
18,668
   
4.50
%
 
$
26,965
   
6.50
%
        
Tier 1 capital (to adjusted assets)
 
$
62,038
   
10.00
%
 
$
24,816
   
4.00
%
 
$
31,020
   
5.00
%
        

On September 1, 2011, the Company entered into a Securities Purchase Agreement with the Secretary of the Treasury ("Treasury") pursuant to which the Company sold to the Treasury, 13,000 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series B ("Series B Preferred Stock"), having a liquidation preference of $1,000 per share for aggregate proceeds of $13,000,000.  This transaction was entered into as part of the SBLF.

The Series B Preferred Stock was entitled to receive non-cumulative dividends payable quarterly, on each January 1, April 1, July 1 and October 1, beginning October 1, 2011.  The dividend rate, which was calculated on the aggregate liquidation amount, was initially set at 4.2% per annum based upon the level of "Qualified Small Business Lending," or "QSBL" (as defined in the Securities Purchase Agreement) by Pathfinder Bank.  The dividend rate for dividend periods subsequent to the initial period was set based upon the "Percentage Change in Qualified Lending" (as defined in the Securities Purchase Agreement) between each dividend period and the "Baseline" QSBL level.   In general, the dividend rate decreased as the level of Pathfinder Bank's QSBL increased.  Our dividend rate as of December 31, 2015 was 1.0%. Such dividends were not cumulative, but we could only declare and pay dividends on our common stock (or any other equity securities junior to the Series B Preferred Stock) if we have declared and paid dividends for the current dividend period on the Series B Preferred Stock.  We were also subject to other restrictions on our ability to repurchase or redeem other securities. 
 
The Company had the right to redeem the shares of Series B Preferred Stock, in whole or in part, at any time at a redemption price equal to the sum of the liquidation amount per share and the per-share amount of any unpaid dividends for the then-current period, subject to any required prior approval by its primary federal regulator.  On February 16, 2016, the Company redeemed all 13,000 shares of the Series B Preferred Stock outstanding with the payment of $13.0 million to the SBLF.  This redemption was substantially financed by the issuance of the $10 million Subordinated Loan on October 15, 2015. The issuance of the Subordinated Loan will increase interest expense by $644,000 per year but prospectively reduce the amount payable to the SBLF in preferred stock dividends.  Effective April 1, 2016, the annual dividend rate for the preferred stock would have been 9.0%.  The retirement of the $13.0 million of the SBLF Preferred Series B stock, therefore will result in an annual reduction of preferred dividends payable of $1.2 million.  The Company paid $16,000 and $130,000 in preferred dividends in 2016 and 2015, respectively. These transactions had no effect on the regulatory capital position of the Bank.

The Company's goal is to maintain a strong capital position, consistent with the risk profile of its subsidiary banks that supports growth and expansion activities while at the same time exceeding regulatory standards.  At December 31, 2016, the Bank exceeded all regulatory required minimum capital ratios and met the regulatory definition of a "well-capitalized" institution, i.e. a leverage capital ratio exceeding 5%, a Tier 1 risk-based capital ratio exceeding 6% and a total risk-based capital ratio exceeding 10%.
 
The Bank is required to maintain average balances on hand or with the Federal Reserve Bank.  At December 31, 2016 and 2015, these reserve balances amounted to $13.2 million and $3.9 million, respectively and are included in cash and due from banks in the statement of condition.
XML 40 R29.htm IDEA: XBRL DOCUMENT v3.7.0.1
INTEREST RATE DERIVATIVE
 12 Months Ended
Dec. 31, 2016
INTEREST RATE DERIVATIVE [Abstract]  
INTEREST RATE DERIVATIVE
NOTE 21: INTEREST RATE DERIVATIVE

Derivative instruments are entered into primarily as a risk management tool of the Company. Financial derivatives are recorded at fair value as other liabilities. The accounting for changes in the fair value of a derivative depends on whether it has been designated and qualifies as part of a hedging relationship. For a fair value hedge, changes in the fair value of the derivative instrument and changes in the fair value of the hedged asset or liability are recognized currently in earnings. For a cash flow hedge, changes in the fair value of the derivative instrument, to the extent that it is effective, are recorded in other comprehensive income and subsequently reclassified to earnings as the hedged transaction impacts net income. Any ineffective portion of a cash flow hedge is recognized currently in earnings.  See Note 22 for further discussion of the fair value of the interest rate derivative.

The Company has $5.0 million of floating rate trust preferred debt indexed to 3-month LIBOR.  As a result, it is exposed to variability in cash flows related to changes in projected interest payments caused by changes in the benchmark interest rate.  During the fourth quarter of fiscal 2009, the Company entered into an interest rate swap agreement, with a $2.0 million notional amount, to convert a portion of the floating rate trust preferred debt to a fixed rate for a term of approximately seven years at a rate of 4.96%.  This swap agreement expired in the second quarter of 2016 and was not renewed.  The derivative, while in effect, was designated as a cash flow hedge.  The hedging strategy ensured that changes in cash flows from the derivative would have been highly effective at offsetting changes in interest expense from the hedged exposure.

The following table summarizes the fair value of outstanding derivatives and their presentation on the statements of condition as of December 31:

(In thousands)
 
2016
  
2015
 
 Cash flow hedge:
      
 Other liabilities
 
$
-
  
$
27
 

The change in accumulated other comprehensive loss, on a pretax basis, and the impact on earnings from the interest rate swap that qualifies as a cash flow hedge for the year ended December 31 were as follows:

(In thousands)
 
2016
  
2015
 
Balance as of December 31:
 
$
(27
)
 
$
(82
)
Amount of gains/losses recognized in other comprehensive income
  
2
   
(6
)
Amount of loss reclassified from other comprehensive income
        
     and recognized as interest expense
  
25
   
61
 
Balance as of December 31:
 
$
-
  
$
(27
)

No amount of ineffectiveness had been included in earnings for prior periods and the changes in fair value were recorded in other comprehensive (loss) income.  Some, or all, of the amount included in accumulated other comprehensive (loss) income would have been reclassified into current earnings should a portion of, or the entire hedge no longer been considered effective.
XML 41 R30.htm IDEA: XBRL DOCUMENT v3.7.0.1
FAIR VALUE MEASUREMENTS AND DISCLOSURES
 12 Months Ended
Dec. 31, 2016
FAIR VALUE MEASUREMENTS AND DISCLOSURES [Abstract]  
FAIR VALUE MEASUREMENTS AND DISCLOSURES
NOTE 22: FAIR VALUE MEASUREMENTS AND DISCLOSURES

Accounting guidance related to fair value measurements and disclosures specifies a hierarchy of valuation techniques based on whether the inputs to those valuation techniques are observable or unobservable. Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect the Company's market assumptions. These two types of inputs have created the following fair value hierarchy:
Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.
 
Level 2 – Quoted prices for similar assets and liabilities in active markets; quoted prices for identical or similar assets or liabilities in markets that are not active; and model-derived valuations in which all significant inputs and significant value drivers are observable in active markets.

Level 3 – Model-derived valuations in which one or more significant inputs or significant value drivers are unobservable.

An asset's or liability's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.

In determining fair value, the Company utilizes valuation techniques that maximize the use of observable inputs, minimize the use of unobservable inputs, to the extent possible, and considers counterparty credit risk in its assessment of fair value.

The Company used the following methods and significant assumptions to estimate fair value:

Investment securities:  The fair values of securities available-for-sale are obtained from an independent third party and are based on quoted prices on nationally recognized securities exchanges where available (Level 1).  If quoted prices are not available, fair values are measured by utilizing matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2).  Management made no adjustment to the fair value quotes that were received from the independent third party pricing service. During the third quarter of 2015, the Company purchased $313,000 of the common stock of a community-based financial institution that conducts its operations outside of the Company's primary market area.  During the second quarter of 2016, the Company purchased an additional $130,000 of this common stock. The first purchase was in conjunction with a capital raise by the financial institution that attracted multiple investors and the second purchase was made in a private sale. The stock of this financial institution is not traded on any exchange and there are no quoted market prices available for this security (Level 3).  Management has reviewed the results of the financial operations of the financial institution for the quarter and year ended December 31, 2016 and has concluded that this investment was appropriately valued at the acquisition cost of its most recent purchase, which was considered to be its fair value as of the measurement date.

Interest rate swap derivative:  The fair value of the interest rate swap derivative is obtained from a third party pricing agent and is calculated based on a discounted cash flow model. All future floating cash flows are projected and both floating and fixed cash flows are discounted to the valuation date.  The curve utilized for discounting and projecting is built by obtaining publicly available third party market quotes for various swap maturity terms, and therefore is classified within Level 2 of the fair value hierarchy.  The swap agreement presented in the accompanying financial statements expired in the second quarter of 2016 and was not renewed. 

Impaired loans: Impaired loans are those loans in which the Company has measured impairment based on the fair value of the loan's collateral or the discounted value of expected future cash flows.  Fair value is generally determined based upon market value evaluations by third parties of the properties and/or estimates by management of working capital collateral or discounted cash flows based upon expected proceeds.  These appraisals may include up to three approaches to value: the sales comparison approach, the income approach (for income-producing property), and the cost approach.  Management modifies the appraised values, if needed, to take into account recent developments in the market or other factors, such as, changes in absorption rates or market conditions from the time of valuation and anticipated sales values considering management's plans for disposition.  Such modifications to the appraised values could result in lower valuations of such collateral. Estimated costs to sell are based on current amounts of disposal costs for similar assets.  These measurements are classified as Level 3 within the valuation hierarchy. Impaired loans are subject to nonrecurring fair value adjustment upon initial recognition or subsequent impairment.  A portion of the allowance for loan losses is allocated to impaired loans if the value of such loans is deemed to be less than the unpaid balance.
 
Foreclosed real estate:  Fair values for foreclosed real estate are initially recorded based on market value evaluations by third parties, less costs to sell ("initial cost basis").  Any write-downs required when the related loan receivable is exchanged for the underlying real estate collateral at the time of transfer to foreclosed real estate are charged to the allowance for loan losses.  Values are derived from appraisals, similar to impaired loans, of underlying collateral or discounted cash flow analysis.  Subsequent to foreclosure, valuations are updated periodically and assets are marked to current fair value, not to exceed the initial cost basis.  In the determination of fair value subsequent to foreclosure, management also considers other factors or recent developments, such as, changes in absorption rates and market conditions from the time of valuation and anticipated sales values considering management's plans for disposition.  Either change could result in adjustment to lower the property value estimates indicated in the appraisals.  These measurements are classified as Level 3 within the fair value hierarchy.

The following tables summarize assets measured at fair value on a recurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value:
 
  
2016
 
           
Total Fair
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Value
 
Available-for-sale portfolio
            
Debt investment securities:
            
US Treasury, agencies and GSEs
 
$
-
  
$
24,184
  
$
-
  
$
24,184
 
State and political subdivisions
  
-
   
16,481
   
-
   
16,481
 
Corporate
  
-
   
15,195
   
-
   
15,195
 
Asset backed securities
  
-
   
6,664
   
-
   
6,664
 
Residential mortgage-backed - US agency
  
-
   
30,566
   
-
   
30,566
 
Collateralized mortgage obligations - US agency
  
-
   
40,986
   
-
   
40,986
 
Collateralized mortgage obligations - Private label
  
-
   
6,577
   
-
   
6,577
 
Equity investment securities:
                
Mutual funds:
                
Ultra short mortgage fund
  
626
   
-
   
-
   
626
 
Large cap equity fund
  
-
   
-
   
-
   
-
 
Common stock - Financial services industry
  
-
   
220
   
456
   
676
 
Total available-for-sale securities
 
$
626
  
$
140,873
  
$
456
  
$
141,955
 
                 
Interest rate swap derivative
 
$
-
  
$
-
  
$
-
  
$
-
 
 
     2015      
Total Fair
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Value
 
Available-for-sale portfolio
            
Debt investment securities:
            
US Treasury, agencies and GSEs
 
$
-
  
$
21,308
  
$
-
  
$
21,308
 
State and political subdivisions
  
-
   
8,300
   
-
   
8,300
 
Corporate
  
-
   
18,128
   
-
   
18,128
 
Residential mortgage-backed - US agency
  
-
   
32,573
   
-
   
32,573
 
Collateralized mortgage obligations - US agency
  
-
   
16,833
   
-
   
16,833
 
Collateralized mortgage obligations - Private label
  
-
   
-
   
-
   
-
 
Equity investment securities:
                
Mutual funds:
                
Ultra short mortgage fund
  
638
   
-
   
-
   
638
 
Large cap equity fund
  
583
   
-
   
-
   
583
 
Common stock - Financial services industry
  
46
   
220
   
313
   
579
 
Total available-for-sale securities
 
$
1,267
  
$
97,362
  
$
313
  
$
98,942
 
                 
Interest rate swap derivative
 
$
-
  
$
(27
)
 
$
-
  
$
(27
)
 
The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis as of December 31 were as follows:
 
 (In thousands)
 
Common Stock - Financial Services Industry
 
    
 Balance - December 31, 2015
 
$
313
 
 Total gains realized/unrealized:
    
 Included in earnings
  
-
 
 Included in other comprehensive income
  
13
 
 Settlements
  
130
 
 Sales
  
-
 
 Balance - December 31, 2016
 
$
456
 
 Changes in unrealized gains included in earnings related to assets still held at December 31, 2016
 
$
-
 

The following table summarizes the valuation techniques and significant unobservable inputs used for the Company's investments that are categorized within Level 3 of the fair value hierarchy at the indicated dates:

(In thousands)
 
At December 31, 2016
 
 Investment Type
 
Fair Value
 
 Valuation Techniques
 Unobservable Input
 
Weight
 
 Common Stock - Financial Services Industry
 
$
456
 
 Inputs to comparables
 Weight ascribed to comparable companies
  
100
%
           
 
 (In thousands)
 
At December 31, 2015
 
 Investment Type
 
Fair Value
 
 Valuation Techniques
 Unobservable Input
 
Weight
 
 Common Stock - Financial Services Industry
 
$
313
 
 Inputs to comparables
 Weight ascribed to comparable companies
  
100
%

Certain assets and liabilities are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment).

The following tables summarize assets measured at fair value on a nonrecurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value:

     
2016
    
           
Total Fair
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Value
 
 Impaired loans
 
$
-
  
$
-
  
$
4,049
  
$
4,049
 
 Foreclosed real estate
 
$
-
  
$
-
  
$
393
  
$
393
 
 
     2015       
           
Total Fair
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Value
 
 Impaired loans
 
$
-
  
$
-
  
$
1,070
  
$
1,070
 
 Foreclosed real estate
 
$
-
  
$
-
  
$
360
  
$
360
 
 
The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Level 3 inputs were used to determine fair value.
 
 
 
 
Quantitative Information about Level 3 Fair Value Measurements
 
    
 
Valuation
Unobservable
Range
 
Techniques
Input
(Weighted Avg.)
At December 31, 2016
 
 
 
Impaired loans
Appraisal of collateral
Appraisal Adjustments
5% - 10% (5%)
 
(Sales Approach)
Costs to Sell
8% - 13% (10%)
 
Discounted Cash Flow
  
    
Foreclosed real estate
Appraisal of collateral
Appraisal Adjustments
 15% - 15% (15%)
 
(Sales Approach)
Costs to Sell
 6% - 8% (7%)
 
 
 
Quantitative Information about Level 3 Fair Value Measurements
 
    
 
Valuation
Unobservable
Range
 
Techniques
Input
(Weighted Avg.)
At December 31, 2015
 
 
 
Impaired loans
Appraisal of collateral
Appraisal Adjustments
5% - 10% (8%)
 
(Sales Approach)
Costs to Sell
8% - 15% (14%)
 
Discounted Cash Flow
  
    
Foreclosed real estate
Appraisal of collateral
Appraisal Adjustments
 15% - 15% (15%)
 
(Sales Approach)
Costs to Sell
 6% - 8% (7%)

Required disclosures include fair value information of financial instruments, whether or not recognized in the consolidated statement of condition, for which it is practicable to estimate that value.  In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques.  Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument.

The Company has various processes and controls in place to ensure that fair value is reasonably estimated. The Company performs due diligence procedures over third-party pricing service providers in order to support their use in the valuation process. 

While the Company believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date.

Management uses its best judgment in estimating the fair value of the Company's financial instruments; however, there are inherent weaknesses in any estimation technique.  Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sales transaction on the dates indicated.  The estimated fair value amounts have been measured as of their respective period-ends, and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates.  As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each period-end. 
 
The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company's assets and liabilities.  Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company's disclosures and those of other companies may not be meaningful.  The Company, in estimating its fair value disclosures for financial instruments, used the following methods and assumptions:

Cash and cash equivalents – The carrying amounts of these assets approximate their fair value and are classified as Level 1.

Interest earning time deposits – The carrying amounts of these assets approximate their fair value and are classified as Level 1.

Investment securities – The fair values of securities available-for-sale and held-to-maturity are obtained from an independent third party and are based on quoted prices on nationally recognized exchange where available (Level 1).  If quoted prices are not available, fair values are measured by utilizing matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities, but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2).  Management made no adjustment to the fair value quotes that were received from the independent third party pricing service. During the third quarter of 2015, the Company purchased $313,000 of the common stock of a community-based financial institution that conducts its operations outside of the Company's primary market area.  During the second quarter of 2016, the Company purchased an additional $130,000 of this common stock. The first purchase was in conjunction with a capital raise by the financial institution that attracted multiple investors and the second purchase was made in a private sale. The stock of this financial institution is not traded on any exchange and there are no quoted market prices available for this security (Level 3).  Management has reviewed the results of the financial operations of the financial institution for the quarter and year ended December 31, 2016 and has concluded that this investment was appropriately valued at the acquisition cost of its most recent purchase, which was considered to be its fair value as of the measurement date.

Federal Home Loan Bank stock – The carrying amount of these assets approximates their fair value and are classified as Level 2.

Net loans – For variable-rate loans that re-price frequently, fair value is based on carrying amounts.  The fair value of other loans (for example, fixed-rate commercial real estate loans, mortgage loans, and commercial and industrial loans) is estimated using discounted cash flow analysis, based on interest rates currently being offered in the market for loans with similar terms to borrowers of similar credit quality.  Loan value estimates include judgments based on expected prepayment rates.  The measurement of the fair value of loans, including impaired loans, is classified within Level 3 of the fair value hierarchy.
 
Accrued interest receivable and payable – The carrying amount of these assets approximates their fair value and are classified as Level 1.

Deposits – The fair values disclosed for demand deposits (e.g., interest-bearing and noninterest-bearing checking, passbook savings and certain types of money management accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts) and are classified within Level 1 of the fair value hierarchy.  Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates of deposits to a schedule of aggregated expected monthly maturities on time deposits.  Measurements of the fair value of time deposits are classified within Level 2 of the fair value hierarchy.

Borrowings – Fixed/variable term "bullet" structures are valued using a replacement cost of funds approach.  These borrowings are discounted to the FHLBNY advance curve.  Option structured borrowings' fair values are determined by the FHLB for borrowings that include a call or conversion option.  If market pricing is not available from this source, current market indications from the FHLBNY are obtained and the borrowings are discounted to the FHLBNY advance curve less an appropriate spread to adjust for the option. These measurements are classified as Level 2 within the fair value hierarchy.
 
Subordinated Loans – The Company secures quotes from its pricing service based on a discounted cash flow methodology or utilizes observations of recent highly-similar transactions which result in a Level 2 classification.

Interest rate swap derivative – The fair value of the interest rate swap derivative is obtained from a third party pricing agent and is calculated based on a discounted cash flow model. All future floating cash flows are projected and both floating and fixed cash flows are discounted to the valuation date.  The curve utilized for discounting and projecting is built by obtaining publicly available third party market quotes for various swap maturity terms, and therefore is classified within Level 2 of the fair value hierarchy. The swap agreement presented in the accompanying financial statements expired in the second quarter of 2016 and was not renewed.

The carrying amounts and fair values of the Company's financial instruments as of December 31 are presented in the following table:

     
2016
  
2015
 
  
Fair Value
  
Carrying
  
Estimated
  
Carrying
  
Estimated
 
(In thousands)
 
Hierarchy
  
Amounts
  
Fair Values
  
Amounts
  
Fair Values
 
Financial assets:
               
Cash and cash equivalents
  
1
  
$
22,419
  
$
22,419
  
$
15,245
  
$
15,245
 
Investment securities - available-for-sale
  
1
   
626
   
626
   
1,267
   
1,267
 
Investment securities - available-for-sale
  
2
   
140,873
   
140,873
   
97,362
   
97,362
 
Investment securities - available-for-sale
  
3
   
456
   
456
   
313
   
313
 
Investment securities - held-to-maturity
  
2
   
54,645
   
54,429
   
44,297
   
45,515
 
Federal Home Loan Bank stock
  
2
   
3,250
   
3,250
   
2,424
   
2,424
 
Net loans
  
3
   
485,900
   
484,704
   
424,732
   
428,410
 
Accrued interest receivable
  
1
   
2,532
   
2,532
   
2,053
   
2,053
 
                     
Financial liabilities:
                    
Demand Deposits, Savings, NOW and MMDA
  
1
  
$
421,627
  
$
421,627
  
$
343,853
  
$
343,853
 
Time Deposits
  
2
   
189,356
   
189,197
   
146,462
   
146,158
 
Borrowings
  
2
   
58,947
   
58,918
   
41,300
   
41,282
 
Subordinated loans
  
2
   
15,025
   
14,310
   
14,991
   
14,027
 
Accrued interest payable
  
1
   
75
   
75
   
199
   
199
 
Interest rate swap derivative
  
2
   
-
   
-
   
27
   
27
 
XML 42 R31.htm IDEA: XBRL DOCUMENT v3.7.0.1
PARENT COMPANY - FINANCIAL INFORMATION
 12 Months Ended
Dec. 31, 2016
PARENT COMPANY - FINANCIAL INFORMATION [Abstract]  
PARENT COMPANY - FINANCIAL INFORMATION
NOTE 23: PARENT COMPANY – FINANCIAL INFORMATION

The following represents the condensed financial information of Pathfinder Bancorp, Inc. as of and for the years ended December 31:

Statements of Condition
 
2016
  
2015
 
(In thousands)
      
Assets
      
Cash
 
$
5,424
  
$
21,418
 
Investments
  
455
   
358
 
Investment in bank subsidiary
  
67,281
   
64,519
 
Investment in non-bank subsidiary
  
155
   
155
 
Other assets
  
475
   
185
 
Total assets
 
$
73,790
  
$
86,635
 
Liabilities and Shareholders' Equity
        
Accrued liabilities
 
$
404
  
$
415
 
Subordinated loans
  
15,025
   
14,991
 
Shareholders' equity
  
58,361
   
71,229
 
Total liabilities and shareholders' equity
 
$
73,790
  
$
86,635
 
 
Statements of Income
 
2016
  
2015
 
(In thousands)
      
Income
      
Dividends from non-bank subsidiary
 
$
4
  
$
4
 
Realized gains on available-for sale investment securities
  
108
   
-
 
Total income
  
112
   
4
 
Expenses
        
Interest
  
880
   
300
 
Operating, net
  
230
   
248
 
Total expenses
  
1,110
   
548
 
Loss before taxes and equity in undistributed net income of subsidiaries
  
(998
)
  
(544
)
Tax benefit
  
254
   
162
 
Loss before equity in undistributed net income of subsidiaries
  
(744
)
  
(382
)
Equity in undistributed net income of subsidiaries
  
4,016
   
3,271
 
Net income
 
$
3,272
  
$
2,889
 
 
Statements of Cash Flows
 
2016
  
2015
 
(In thousands)
      
Operating Activities
      
Net Income
 
$
3,272
  
$
2,889
 
Equity in undistributed net income of subsidiaries
  
(4,016
)
  
(3,271
)
Realized gains on available-for-sale investment securities
  
(23
)
  
-
 
Stock based compensation and ESOP expense
  
557
   
354
 
Amortization of deferred financing from subordinated loan
  
34
   
-
 
Net change in other assets and liabilities
  
(152
)
  
95
 
Net cash flows from operating activities
  
(328
)
  
67
 
Investing Activities
        
Purchase investments
  
(130
)
  
(312
)
Net gain on hedging transaction
  
(85
)
  
-
 
Proceeds from sale of investment
  
43
   
-
 
Net cash flows from investing activities
  
(172
)
  
(312
)
Financing activities
        
Redemption of preferred stock - SBLF
  
(13,000
)
  
-
 
Proceeds from exercise of stock options
  
143
   
9
 
Proceeds from subordinated loan
  
-
   
9,836
 
Purchase of common stock
  
(1,755
)
  
-
 
Cash dividends paid to preferred shareholders
  
(16
)
  
(130
)
Cash dividends paid to common shareholders
  
(866
)
  
(609
)
Net cash flows from financing activities
  
(15,494
)
  
9,106
 
Change in cash and cash equivalents
  
(15,994
)
  
8,861
 
Cash and cash equivalents at beginning of year
  
21,418
   
12,557
 
Cash and cash equivalents at end of year
 
$
5,424
  
$
21,418
 
XML 43 R32.htm IDEA: XBRL DOCUMENT v3.7.0.1
RELATED PARTY TRANSACTIONS
 12 Months Ended
Dec. 31, 2016
RELATED PARTY TRANSACTIONS [Abstract]  
RELATED PARTY TRANSACTIONS
NOTE 24:  RELATED PARTY TRANSACTIONS

In the ordinary course of business, the Company has granted loans to certain directors, executive officers and their affiliates (collectively referred to as "related parties").  These loans were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other unaffiliated parties and do not involve more than normal risk of collectability.

The following represents the activity associated with loans to related parties during the year ended December 31, 2016:

(In thousands)
   
Balance at the beginning of the year
 
$
10,324
 
Originations and Officer additions
  
2,122
 
Principal payments
  
(1,562
)
Balance at the end of the year
 
$
10,884
 

Deposits of related parties at December 31, 2016 and December 31, 2015 were $3.4 million and $2.0 million, respectively.
XML 44 R33.htm IDEA: XBRL DOCUMENT v3.7.0.1
CONVERSION AND REORGANIZATION
 12 Months Ended
Dec. 31, 2016
CONVERSION AND REORGANIZATION [Abstract]  
CONVERSION AND REORGANIZATION
NOTE 25:  CONVERSION AND REORGANIZATION

On October 16, 2014, the former Pathfinder Bancorp ("former Pathfinder") completed the conversion and reorganization pursuant to which Pathfinder Bancorp, MHC converted to the stock holding company form of organization under a "second step" conversion (the "Conversion"), and the Bank reorganized from the two-tier mutual holding company structure to the stock holding company structure.  Prior to the completion of the Conversion, the MHC owned approximately 60.4% of the common stock of the Company.  The Company, the new stock holding company for Pathfinder Bank, sold 2,636,053 shares of common stock at $10.00 per share, for gross offering proceeds of $26.4 million in its stock offering.  In addition, $197,000 in cash was received by the Company from the MHC upon it ceasing to exist.

Concurrent with the completion of the offering, shares of common stock of the Company owned by the public were exchanged for shares of the Company's common stock so that the shareholders now own approximately the same percentage of the Company's common stock as they owned of the former Pathfinder's common stock immediately prior to the Conversion.  Shareholders of the former Pathfinder received 1.6472 shares of the Company's common stock for each share of the former Pathfinder's common stock that they owned immediately prior to completion of the transaction.    As a result of the offering and the exchange of shares, the Company had 4,353,850 shares outstanding at December 31, 2014.  The Company has 4,353,850 and 4,236,744 shares outstanding at December 31, 2015 and December 31, 2016, respectively.

The Conversion was accounted for as a change in corporate form with no resulting change in the historical basis of the Company's assets, liabilities, and equity.  Costs related to the offering were primarily marketing fees paid to the Company's investment banking firm, legal and professional fees, registration fees, printing and mailing costs and totaled $1.5 million.  Accordingly, net proceeds were $24.9 million.  In addition, as part of the Conversion and dissolution of the MHC, the Company received $197,000 of cash previously held by the MHC.  As a result of the Conversion and Offering, Pathfinder Bancorp, Inc., a federal corporation, was succeeded by a new fully public Maryland corporation with the same name and the MHC ceased to exist.

The shares of common stock sold in the offering and issued began trading on the NASDAQ Capital Market on October 17, 2014 under the trading symbol "PBHC."

In accordance with Board of Governors of the Federal Reserve System regulations, at the time of the reorganization, the Company substantially restricted retained earnings by establishing a liquidation account.  The liquidation account will be maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion.  The Bank will establish a parallel liquidation account to support the Company's liquidation account in the event the Company does not have sufficient assets to fund its obligations under its liquidation account.  The liquidation accounts will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits.  Subsequent increases will not restore an eligible account holder's interest in the liquidation accounts.  In the event of a complete liquidation of the Bank or the Company, each account holder will be entitled to receive a distribution in an amount proportionate to the adjusted qualifying account balances then held.
 
The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.
XML 45 R34.htm IDEA: XBRL DOCUMENT v3.7.0.1
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)
 12 Months Ended
Dec. 31, 2016
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]  
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)
NOTE 26: ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

Changes in the components of accumulated other comprehensive income (loss) ("AOCI"), net of tax, for the periods indicated are summarized in the table below.

  
For the years ended December 31, 2016
 
(In thousands)
 
Retirement Plans
  
Unrealized Gains and Losses on Financial derivative
  
Unrealized Gains and Losses on Available-for-Sale Securities
  
Unrealized Loss on Securities
Transferred to
Held-to-Maturity
  
Total
 
Beginning balance
 
$
(1,844
)
 
$
(16
)
 
$
(51
)
 
$
(654
)
 
$
(2,565
)
Other comprehensive income before reclassifications
  
198
   
1
   
(1,436
)
  
190
   
(1,045
)
Amounts reclassified from AOCI
  
133
   
15
   
(358
)
  
-
   
(212
)
Ending balance
 
$
(1,513
)
 
$
-
  
$
(1,845
)
 
$
(464
)
 
$
(3,822
)


  
For the years ended December 31, 2015
 
(In thousands)
 
Retirement Plans
  
Unrealized Gains and Losses on Financial derivative
  
Unrealized Gains and Losses on Available-for-Sale Securities
  
Unrealized Loss on Securities Transferred to Held-to-Maturity
  
Total
 
Beginning balance
 
$
(1,794
)
 
$
(49
)
 
$
457
  
$
(733
)
 
$
(2,119
)
Other comprehensive (loss) income before reclassifications
  
(161
)
  
(4
)
  
(255
)
  
79
   
(341
)
Amounts reclassified from AOCI
  
111
   
37
   
(253
)
  
-
   
(105
)
Ending balance
 
$
(1,844
)
 
$
(16
)
 
$
(51
)
 
$
(654
)
 
$
(2,565
)

The following table presents the amounts reclassified out of each component of AOCI for the indicated annual period:

(In thousands)
 
For the years ended
  
Details about AOCI1 components
 
December 31, 2016
  
December 31, 2015
 
Affected Line Item in the Statement of Income
              
Unrealized holding gain on financial derivative:
           
Reclassification adjustment for
           
   interest expense included in net income
 
$
(25
)
 
$
(61
)
Interest on long term borrowings
   
10
   
24
 
Provision for income taxes
  
$
(15
)
 
$
(37
)
Net Income
Retirement plan items
               
Retirement plan net losses
               
   recognized in plan expenses2
 
$
(222
)
 
$
(185
)
Salaries and employee benefits
   
89
   
74
 
Provision for income taxes
  
$
(133
)
 
$
(111
)
Net Income
                  
Available-for-sale securities
               
Realized gain on sale of securities
 
$
594
  
$
422
 
Net gains on sales and redemptions of investment securities
   
(236
)
  
(169
)
Provision for income taxes
   
358
   
253
 
Net Income
                  
1 Amounts in parentheses indicates debits in net income.
2 These items are included in net periodic pension cost.
   See Note 14 for additional information.
               
XML 46 R35.htm IDEA: XBRL DOCUMENT v3.7.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)
 12 Months Ended
Dec. 31, 2016
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]  
Nature of Operations
Nature of Operations

The accompanying consolidated financial statements include the accounts of Pathfinder Bancorp, Inc. (the "Company") and its wholly owned subsidiary, Pathfinder Bank (the "Bank"). The Company is a Maryland corporation headquartered in Oswego, New York. On October 16, 2014, the Company completed its conversion from the mutual holding company structure and the related public offering and is now a stock holding company that is fully owned by the public.  As a result of the conversion, the mutual holding company and former mid-tier holding company were merged into Pathfinder Bancorp, Inc. The primary business of the Company is its investment in Pathfinder Bank (the "Bank") which is 100% owned by the Company.  The Company sold 2,636,053 shares of common stock in the offering, including 105,442 shares sold to the Pathfinder Bank employee stock ownership plan ("ESOP").  All shares were sold at a price of $10.00 per share raising $26.4 million in gross proceeds.  Additionally, $197,000 in cash was received from the merger of MHC into the company; and after accounting for conversion related expenses of $1.5 million, the Company received $24.9 million in net proceeds.  Concurrent with the completion of the offering, publicly owned shares of Pathfinder Bancorp, Inc., a federal corporation, were exchanged for 1.6472 shares of the Company's common stock. At December 31, 2016, 4,236,744 shares of common stock were outstanding. The Bank has three wholly owned operating subsidiaries, Pathfinder Risk Management Company, Inc. ("PRMC"), Pathfinder REIT, Inc. and Whispering Oaks Development Corp. All significant inter-company accounts and activity have been eliminated in consolidation.  Although the Company owns, through its subsidiary PRMC, 51% of the membership interest in FitzGibbons Agency, LLC ("FitzGibbons"), the Company is required to consolidate 100% of FitzGibbons within the consolidated financial statements.  The 49% of which the Company does not own is accounted for separately as noncontrolling interests within the consolidated financial statements.

The Company has seven offices located in Oswego County and two offices in Onondaga County.  The Company is primarily engaged in the business of attracting deposits from the general public in the Company's market area, and investing such deposits, together with other sources of funds, in loans secured by commercial real estate, business assets, one-to-four family residential real estate and investment securities.
Use of Estimates in the Preparation of Consolidated Financial Statements
Use of Estimates in the Preparation of Consolidated Financial Statements

The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.  Management has identified the allowance for loan losses, deferred income taxes, pension obligations, the annual evaluation of the Company's goodwill for possible impairment and the evaluation of investment securities for other than temporary impairment and the estimation of fair values for accounting and disclosure purposes to be the accounting areas that require the most subjective and complex judgments, and as such, could be the most subject to revision as new information becomes available.

The Company is subject to the regulations of various governmental agencies.  The Company also undergoes periodic examinations by the regulatory agencies which may subject it to further changes with respect to asset valuations, amounts of required loss allowances, and operating restrictions resulting from the regulators' judgments based on information available to them at the time of their examinations.
Significant Group Concentrations of Credit Risk
Significant Group Concentrations of Credit Risk

Most of the Company's activities are with customers located primarily in Oswego and Onondaga counties of New York State.  A large portion of the Company's portfolio is centered in residential and commercial real estate.  The Company closely monitors real estate collateral values and requires additional reviews of commercial real estate appraisals by a qualified third party for commercial real estate loans in excess of $400,000.  All residential loan appraisals are reviewed by an individual or third party who is independent of the loan origination or approval process and was not involved in the approval of appraisers or selection of the appraiser for the transaction, and has no direct or indirect interest, financial or otherwise in the property or the transaction.  Note 4 discusses the types of securities that the Company invests in.  Note 5 discusses the types of lending that the Company engages in.  The Company does not have any significant concentrations to any one industry or customer.
Advertising
Advertising

The Company follows the policy of charging the costs of advertising to expense as incurred.
Noncontrolling Interest
Noncontrolling Interest

Noncontrolling interest represents the portion of ownership and profit or loss that is attributable to the minority owners of the FitzGibbons Agency.
Cash and Cash Equivalents
Cash and Cash Equivalents

Cash and cash equivalents include cash on hand, amounts due from banks and interest-bearing deposits (with original maturity of three months or less).
Investment Securities
Investment Securities

The Company classifies investment securities as either available-for-sale or held-to-maturity.  The Company does not hold any securities considered to be trading.  Available-for-sale securities are reported at fair value, with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of the applicable income tax effect.  Held-to-maturity securities are those that the Company has the ability and intent to hold until maturity and are reported at amortized cost.

Gains or losses on investment security transactions are based on the amortized cost of the specific securities sold.  Premiums and discounts on securities are amortized and accreted into income using the interest method over the period to maturity.

Note 4 to the consolidated financial statements includes additional information about the Company's accounting policies with respect to the impairment of investment securities.
Federal Home Loan Bank Stock
Federal Home Loan Bank Stock

Federal law requires a member institution of the Federal Home Loan Bank ("FHLB") system to hold stock of its district FHLB according to a predetermined formula.  The stock is carried at cost.
Transfers of Financial Assets
Transfers of Financial Assets

Transfers of financial assets, including sales of loans and loan participations, are accounted for as sales when control over the assets has been surrendered.  Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Loans
Loans

The Company grants mortgage, commercial, municipal, and consumer loans to customers.  Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are stated at their outstanding unpaid principal balances, less the allowance for loan losses plus net deferred loan origination costs. The ability of the Company's debtors to honor their contracts is dependent upon the real estate and general economic conditions in the market area.  Interest income is generally recognized when income is earned using the interest method. Nonrefundable loan fees received and related direct origination costs incurred are deferred and amortized over the life of the loan using the interest method, resulting in a constant effective yield over the loan term. Deferred fees are recognized into income and deferred costs are charged to income immediately upon prepayment of the related loan.

The loans receivable portfolio is segmented into residential mortgage, commercial and consumer loans.  The residential mortgage segment consists of one-to-four family first-lien residential mortgages and construction loans.  Commercial loans consist of the following classes: real estate, lines of credit, other commercial and industrial, and tax-exempt loans.  Consumer loans include both home equity lines of credit and loans with junior liens and other consumer loans.
Allowance for Loan Losses
Allowance for Loan Losses

The allowance for loan losses represents management's estimate of losses inherent in the loan portfolio as of the date of the statement of condition and it is recorded as a reduction of loans.  The allowance is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries.  Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance.  All, or part, of the principal balance of loans receivable are charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely.  Non-residential consumer loans are generally charged off no later than 120 days past due on a contractual basis, unless productive collection efforts are providing results.  Consumer loans may be charged off earlier in the event of bankruptcy, or if there is an amount that is deemed uncollectible.  No portion of the allowance for loan losses is restricted to any individual loan product and the entire allowance is available to absorb any and all loan losses.

The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated.  Management performs a quarterly evaluation of the adequacy of the allowance.  The allowance is based on three major components which are; specific components for larger loans, recent historical losses and several qualitative factors applied to a general pool of loans, and an unallocated component.

The first component is the specific component that relates to loans that are classified as impaired.  For these loans, an allowance is established when the discounted cash flows or collateral value of the impaired loan is lower than the carrying value of that loan.

The second or general component covers pools of loans, by loan class, not considered impaired, smaller balance homogeneous loans, such as residential real estate, home equity and other consumer loans.  These pools of loans are evaluated for loss exposure first based on historical loss rates for each of these categories of loans. The ratio of net charge-offs to loan outstandings within each product class, over the most recent eight quarters, lagged by one quarter, is used to generate the historical loss rates.  In addition, qualitative factors are added to the historical loss rates in arriving at the total allowance for loan loss need for this general pool of loans.  The qualitative factors include changes in national and local economic trends, the rate of growth in the portfolio, trends of delinquencies and nonaccrual balances, changes in loan policy, and changes in lending management experience and related staffing.  Each factor is assigned a value to reflect improving, stable or declining conditions based on management's best judgment using relevant information available at the time of the evaluation.  These qualitative factors, applied to each product class, make the evaluation inherently subjective, as it requires material estimates that may be susceptible to significant revision as more information becomes available.  Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for loan loss analysis and calculation. 
 
The third or unallocated component is maintained to cover uncertainties that could affect management's estimate of probable losses.  The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio and generally comprises less than 10% of the total allowance for loan loss.

A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due.  Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and shortfalls on a case-by case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length and reason for the delay, the borrower's prior payment record and the amount of shortfall in relation to what is owed.  Impairment is measured by either the present value of the expected future cash flows discounted at the loan's effective interest rate or the fair value of the underlying collateral if the loan is collateral dependent.  The majority of the Company's loans utilize the fair value of the underlying collateral.

An allowance for loan loss is established for an impaired loan if its carrying value exceeds its estimated fair value.  The estimated fair values of substantially all of the Company's impaired loans are measured based on the estimated fair value of the loan's collateral.  For loans secured by real estate, estimated fair values are determined primarily through third-party appraisals, less costs to sell.  Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value.  The discounts also include estimated costs to sell the property.

For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower's financial statements, inventory reports, accounts receivable agings or equipment appraisals or invoices.  Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets.

Large groups of homogeneous loans are collectively evaluated for impairment.  Accordingly, the Company does not separately identify individual residential mortgage loans less than $300,000, home equity and other consumer loans for impairment disclosures, unless such loans are related to borrowers with impaired commercial loans or they are subject to a troubled debt restructuring agreement.  Loans that are related to borrowers with impaired commercial loans or are subject to a troubled debt restructuring agreement are evaluated individually for impairment. .

Commercial loans whose terms are modified are classified as troubled debt restructurings if the Company grants such borrowers concessions and it is deemed that those borrowers are experiencing financial difficulty.  Concessions granted under a troubled debt restructuring generally include but are not limited to a temporary reduction in the interest rate or an extension of a loan's stated maturity date.  Commercial loans classified as troubled debt restructurings are designated as impaired and evaluated individually as discussed above.

The allowance calculation methodology includes further segregation of loan classes into risk rating categories.  The borrower's overall financial condition, repayment sources, guarantors and value of the collateral, if appropriate, are evaluated not less than annually for commercial loans or when credit deficiencies arise on all loans.  Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss.  See Note 5 for a description of these regulatory classifications.

In addition, Federal and State regulatory agencies, as an integral part of their examination process, periodically review the Company's allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management.  Based on management's comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate.
Income Recognition on Impaired and Nonaccrual Loans
Income Recognition on Impaired and Nonaccrual Loans

For all classes of loans receivable, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing.  A loan may remain on accrual status if it is either well secured or guaranteed and in the process of collection.  When a loan is placed on nonaccrual status, unpaid interest is reversed and charged to interest income.  Interest received on nonaccrual loans, including impaired loans, generally is either applied against principal or reported as interest income, according to management's judgment as to the collectability of principal.  Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time, generally six months, and the ultimate collectability of the total contractual principal and interest is no longer in doubt.  Nonaccrual troubled debt restructurings are restored to accrual status if principal and interest payments, under the modified terms, are current for six consecutive months after modification.

For nonaccrual loans, when future collectability of the recorded loan balance is expected, interest income may be recognized on a cash basis. In the case where a nonaccrual loan had been partially charged off, recognition of interest on a cash basis is limited to that which would have been recognized on the recorded loan balance at the contractual interest rate. Cash interest receipts in excess of that amount are recorded as recoveries to the allowance for loan losses until prior charge-offs have been fully recovered.
Off-Balance Sheet Credit Related Financial Instruments
Off-Balance Sheet Credit Related Financial Instruments

In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under standby letters of credit.  Such financial instruments are recorded when they are funded.
Premises and Equipment
Premises and Equipment

Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed on a straight-line basis over the estimated useful lives of the related assets, ranging up to 40 years for premises and 10 years for equipment. Maintenance and repairs are charged to operating expenses as incurred.  The asset cost and accumulated depreciation are removed from the accounts for assets sold or retired and any resulting gain or loss is included in the determination of income.
Foreclosed Real Estate
Foreclosed Real Estate

Physical possession of residential real estate property collateralizing a residential mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrower conveys all interest in the property to satisfy the loan through completion of a deed-in-lieu of foreclosure or through a similar legal agreement.  Properties acquired through foreclosure, or by deed-in-lieu of foreclosure, are recorded at their fair value less estimated costs to sell.  Fair value is typically determined based on evaluations by third parties.  Costs incurred in connection with preparing the foreclosed real estate for disposition are capitalized to the extent that they enhance the overall fair value of the property. Any write-downs on the asset's fair value less costs to sell at the date of acquisition are charged to the allowance for loan losses.  Subsequent write downs and expenses of foreclosed real estate are included as a valuation allowance and recorded in noninterest expense.
Goodwill and Intangible Assets
Goodwill and Intangible Assets

Goodwill represents the excess cost of an acquisition over the fair value of the net assets acquired.  Goodwill is not amortized, but is evaluated annually for impairment.  Intangible assets, such as customer relationships, are amortized over their useful lives, generally 15 years.
Mortgage Servicing Rights
Mortgage Servicing Rights

Originated mortgage servicing rights are recorded at their fair value at the time of transfer of the related loans and are amortized in proportion to, and over the period of, estimated net servicing income or loss.  The carrying value of the originated mortgage servicing rights is periodically evaluated for impairment or between annual evaluations under certain circumstances.
Stock-Based Compensation
Stock-Based Compensation

Compensation costs related to share-based payment transactions are recognized based on the grant-date fair value of the stock-based compensation issued. Compensation costs are recognized over the period that an employee provides service in exchange for the award.  Compensation costs related to the Employee Stock Ownership Plan are dependent upon the average stock price and the shares committed to be released to plan participants through the period in which income is reported.
Retirement Benefits
Retirement Benefits

The Company has a non-contributory defined benefit pension plan that covered substantially all employees. On May 14, 2012, the Company informed its employees of its decision to freeze participation and benefit accruals under the plan, primarily to reduce some of the volatility in earnings that can accompany the maintenance of a defined benefit plan.  The plan was frozen on June 30, 2012.  Compensation earned by employees up to June 30, 2012 is used for purposes of calculating benefits under the plan but there will be no future benefit accruals after this date.  Participants as of June 30, 2012 will continue to earn vesting credit with respect to their frozen accrued benefits as they continue to work. Pension expense under these plans is charged to current operations and consists of several components of net pension cost based on various actuarial assumptions regarding future experience under the plans.

Gains and losses, prior service costs and credits, and any remaining transition amounts that have not yet been recognized through net periodic benefit cost are recognized in accumulated other comprehensive loss, net of tax effects, until they are amortized as a component of net periodic cost.  Plan assets and obligations are measured as of the Company's statement of condition date.

The Company has unfunded deferred compensation and supplemental executive retirement plans for selected current and former employees and officers that provide benefits that cannot be paid from a qualified retirement plan due to Internal Revenue Code restrictions. These plans are nonqualified under the Internal Revenue Code, and assets used to fund benefit payments are not segregated from other assets of the Company, therefore, in general, a participant's or beneficiary's claim to benefits under these plans is as a general creditor.

The Bank sponsors an Employee Stock Ownership Plan ("ESOP") covering substantially all full time employees.  The cost of shares issued to the ESOP but not committed to be released to the participants is presented in the consolidated statement of condition as a reduction of shareholders' equity.  ESOP shares are released to the participants on an annual basis in accordance with a predetermined schedule.  The Company records ESOP compensation expense based on the shares committed to be released and allocated to the participant's accounts multiplied by the average share price of the Company's stock over the period.  Dividends related to unallocated shares are recorded as compensation expense.
Derivative Financial Instruments
Derivative Financial Instruments 

Derivatives are recorded on the statement of condition as assets and liabilities measured at their fair value. The accounting for increases and decreases in the value of derivatives depends upon the use of derivatives and whether the derivatives qualify for hedge accounting.  The Company currently has one interest rate swap, which has been determined to be a cash flow hedge.  The fair value of cash-flow hedging instruments ("Cash Flow Hedge") is recorded in either other assets or other liabilities. On an ongoing basis, the statement of condition is adjusted to reflect the then current fair value of the Cash Flow Hedge. The related gains or losses are reported in other comprehensive income (loss) and are subsequently reclassified into earnings, as a yield adjustment in the same period in which the related interest on the hedged item (primarily a variable-rate debt obligation) affects earnings. To the extent that the Cash Flow Hedge is not effective, the ineffective portion of the Cash Flow Hedge is immediately recognized as interest expense.
 
As a hedge against rising short-term interest rates, the Company sold a U.S. Treasury security in the amount of $25 million during the fourth quarter of 2016.  The Company was in controlling possession of, but did not own, the security which had been received as collateral, under an industry-standard repurchase agreement, for a 30-day no interest loan of approximately $25 million to an unrelated third party. The sale of this security provided the funds necessary to advance the loan to the third party and placed the Company in what is generally described as a "short position" with respect to the sold U.S. Treasury security. This transaction acted as a hedge against rising short-term interest rates because the price of the security would be expected to decline in a rising short-term interest rate environment and could be subsequently re-acquired at the conclusion of the 30-day loan period at a price lower than the price at which it was originally sold.  Short-term rates rose during the 30-day loan period and, consequently, the Company recognized a gain on the sale of securities in the amount of $85,000 and a tax benefit of $34,000 when the Treasury security was repurchased.  The tax benefit arose from the reversal of reserves established in prior years against the Company's deferred tax asset position as the transaction gain was characterized as a capital gain for tax purposes.  This capital gain was essentially tax free to the Company as the result of the utilization of existing, previously reserved-for, capital loss tax carryforwards that were established in 2011 and 2013. The recognized tax benefit reduced the Company's effective tax rate from what would have been 26.6% to 25.2% in 2016.  The gain income and the recognized tax benefits derived from this transaction were partially offset by an additional $54,000 in after-tax interest expense that increased interest expense and therefore reduced pretax net interest margin by $82,000 in the fourth quarter of 2016.  In total, after-tax net income was increased by approximately $65,000 during the fourth quarter of 2016 as a result of this transaction. Prior to the commencement of this transaction, the Company incurred consulting and placement fees of $59,000, of which $53,000 has been recorded on the Company's Consolidated Statements of Condition as deferred fees. These deferred fees will be recognized ratably as interest expense on the occasions that this hedging position is reestablished in future periods.  The hedge position was closed on December 23, 2016 and, other than the deferred fees of $53,000 discussed above, had no effect on the Company's consolidated financial condition at December 31, 2016.
Income Taxes
Income Taxes

Provisions for income taxes are based on taxes currently payable or refundable and deferred income taxes on temporary differences between the tax basis of assets and liabilities and their reported amounts in the consolidated financial statements. Deferred tax assets and liabilities are reported in the consolidated financial statements at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized or settled.
Earning Per Share
Earnings Per Share

Basic earnings per common share are computed by dividing net income, after preferred stock dividends and preferred stock discount accretion, by the weighted average number of common shares outstanding throughout each year.  Diluted earnings per share gives effect to weighted average shares that would be outstanding assuming the exercise of issued stock options and warrants using the treasury stock method.  Unallocated shares of the Company's ESOP plan are not included when computing earnings per share until they are committed to be released.
Segment Reporting
Segment Reporting

The Company has evaluated the activities relating to its strategic business units.  The controlling interest in the FitzGibbons Agency is dissimilar in nature and management when compared to the Company's other strategic business units which are judged to be similar in nature and management.  The Company has determined that the FitzGibbons Agency is below the reporting threshold in size in accordance with Accounting Standards Codification 280.  Accordingly, the Company has determined it has no reportable segments.
Comprehensive Income (Loss)
Comprehensive Income (Loss)

Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income.  Although certain changes in assets and liabilities are reported as a separate component of the equity section of the statement of condition, such items, along with net income, are components of comprehensive income. 

Accumulated other comprehensive loss represents the sum of these items, with the exception of net income, as of the balance sheet date and is represented in the table below.
 
  
As of December 31,
 
Accumulated Other Comprehensive Loss By Component:
 
2016
  
2015
 
Unrealized loss for pension and other postretirement obligations
 
$
(2,520
)
 
$
(3,073
)
Tax effect
  
1,007
   
1,229
 
Net unrealized loss for pension and other postretirement obligations
  
(1,513
)
  
(1,844
)
Unrealized loss on financial derivative instruments used in cash flow hedging relationships
  
-
   
(27
)
Tax effect
  
-
   
11
 
Net unrealized loss on financial derivative instruments used in cash flow hedging relationships
  
-
   
(16
)
Unrealized loss on available-for-sale securities
  
(3,072
)
  
(85
)
Tax effect
  
1,227
   
34
 
Net unrealized loss on available-for-sale securities
  
(1,845
)
  
(51
)
Unrealized loss on securities transferred to held-to-maturity
  
(774
)
  
(1,090
)
Tax effect
  
310
   
436
 
Net unrealized loss on securities transferred to held-to-maturity
  
(464
)
  
(654
)
Accumulated other comprehensive loss
 
$
(3,822
)
 
$
(2,565
)
Reclassifications
Reclassifications

Certain amounts in the 2015 consolidated financial statements have been reclassified to conform to the current year presentation.  These reclassifications had no effect on net income as previously reported.
XML 47 R36.htm IDEA: XBRL DOCUMENT v3.7.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)
 12 Months Ended
Dec. 31, 2016
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]  
Schedule of Accumulated Other Comprehensive Loss
Changes in the components of accumulated other comprehensive income (loss) ("AOCI"), net of tax, for the periods indicated are summarized in the table below.

  
For the years ended December 31, 2016
 
(In thousands)
 
Retirement Plans
  
Unrealized Gains and Losses on Financial derivative
  
Unrealized Gains and Losses on Available-for-Sale Securities
  
Unrealized Loss on Securities
Transferred to
Held-to-Maturity
  
Total
 
Beginning balance
 
$
(1,844
)
 
$
(16
)
 
$
(51
)
 
$
(654
)
 
$
(2,565
)
Other comprehensive income before reclassifications
  
198
   
1
   
(1,436
)
  
190
   
(1,045
)
Amounts reclassified from AOCI
  
133
   
15
   
(358
)
  
-
   
(212
)
Ending balance
 
$
(1,513
)
 
$
-
  
$
(1,845
)
 
$
(464
)
 
$
(3,822
)


  
For the years ended December 31, 2015
 
(In thousands)
 
Retirement Plans
  
Unrealized Gains and Losses on Financial derivative
  
Unrealized Gains and Losses on Available-for-Sale Securities
  
Unrealized Loss on Securities Transferred to Held-to-Maturity
  
Total
 
Beginning balance
 
$
(1,794
)
 
$
(49
)
 
$
457
  
$
(733
)
 
$
(2,119
)
Other comprehensive (loss) income before reclassifications
  
(161
)
  
(4
)
  
(255
)
  
79
   
(341
)
Amounts reclassified from AOCI
  
111
   
37
   
(253
)
  
-
   
(105
)
Ending balance
 
$
(1,844
)
 
$
(16
)
 
$
(51
)
 
$
(654
)
 
$
(2,565
)
XML 48 R37.htm IDEA: XBRL DOCUMENT v3.7.0.1
EARNINGS PER SHARE (Tables)
 12 Months Ended
Dec. 31, 2016
EARNINGS PER SHARE [Abstract]  
Calculations of Basic and Diluted Earnings per Share
The following table sets forth the calculation of basic and diluted earnings per share.

  
Years ended
 
  
December 31,
 
(In thousands, except per share data)
 
2016
  
2015
 
Basic Earnings Per Common Share
      
Net income available to common shareholders
 
$
3,256
  
$
2,759
 
Weighted average common shares outstanding
  
4,105
   
4,124
 
Basic earnings per common share
 
$
0.79
  
$
0.67
 
         
Diluted Earnings Per Common Share
        
Net income available to common shareholders
 
$
3,256
  
$
2,759
 
Weighted average common shares outstanding
  
4,105
   
4,124
 
Effect of assumed exercise of stock options
  
85
   
67
 
Diluted weighted average common shares outstanding
  
4,190
   
4,191
 
Diluted earnings per common share
 
$
0.78
  
$
0.66
 
XML 49 R38.htm IDEA: XBRL DOCUMENT v3.7.0.1
INVESTMENT SECURITIES (Tables)
 12 Months Ended
Dec. 31, 2016
INVESTMENT SECURITIES [Abstract]  
Amortized Cost and Estimated Fair Value of Investment Securities
The amortized cost and estimated fair value of investment securities are summarized as follows:

 
 
December 31, 2016
 
     
Gross
  
Gross
  
Estimated
 
  
Amortized
  
Unrealized
  
Unrealized
  
Fair
 
(In thousands)
 
Cost
  
Gains
  
Losses
  
Value
 
Available-for-Sale Portfolio
            
Debt investment securities:
            
US Treasury, agencies and GSEs
 
$
24,263
  
$
1
  
$
(80
)
 
$
24,184
 
State and political subdivisions
  
17,185
   
33
   
(737
)
  
16,481
 
Corporate
  
15,560
   
20
   
(385
)
  
15,195
 
Asset backed securities
  
6,696
   
5
   
(37
)
  
6,664
 
Residential mortgage-backed - US agency
  
31,204
   
-
   
(638
)
  
30,566
 
Collateralized mortgage obligations - US agency
  
42,124
   
45
   
(1,183
)
  
40,986
 
Collateralized mortgage obligations - Private label
  
6,682
   
-
   
(105
)
  
6,577
 
Total
  
143,714
   
104
   
(3,165
)
  
140,653
 
Equity investment securities:
                
Mutual funds:
                
Ultra short mortgage fund
  
643
   
-
   
(17
)
  
626
 
Common stock - financial services industry
  
663
   
13
   
-
   
676
 
Total
  
1,306
   
13
   
(17
)
  
1,302
 
Total available-for-sale
 
$
145,020
  
$
117
  
$
(3,182
)
 
$
141,955
 
                 
Held-to-Maturity Portfolio
                
Debt investment securities:
                
US Treasury, agencies and GSEs
 
$
4,928
  
$
30
  
$
(18
)
 
$
4,940
 
State and political subdivisions
  
30,697
   
572
   
(693
)
  
30,576
 
Corporate
  
8,240
   
85
   
(228
)
  
8,097
 
Residential mortgage-backed - US agency
  
6,386
   
31
   
(20
)
  
6,397
 
Collateralized mortgage obligations - US agency
  
2,927
   
96
   
-
   
3,023
 
Collateralized mortgage obligations - Private label
  
1,467
   
-
   
(71
)
  
1,396
 
Total held-to-maturity
 
$
54,645
  
$
814
  
$
(1,030
)
 
$
54,429
 
 
 
December 31, 2015
 
     
Gross
  
Gross
  
Estimated
 
  
Amortized
  
Unrealized
  
Unrealized
  
Fair
 
(In thousands)
 
Cost
  
Gains
  
Losses
  
Value
 
Available-for-Sale Portfolio
            
Debt investment securities:
            
US Treasury, agencies and GSEs
 
$
21,380
  
$
13
  
$
(85
)
 
$
21,308
 
State and political subdivisions
  
8,198
   
107
   
(5
)
  
8,300
 
Corporate
  
18,173
   
51
   
(96
)
  
18,128
 
Residential mortgage-backed - US agency
  
32,740
   
113
   
(280
)
  
32,573
 
Collateralized mortgage obligations - US agency
  
16,880
   
95
   
(142
)
  
16,833
 
Total
  
97,371
   
379
   
(608
)
  
97,142
 
Equity investment securities:
                
Mutual funds:
                
Ultra short mortgage fund
  
643
   
-
   
(5
)
  
638
 
Large cap equity fund
  
456
   
127
   
-
   
583
 
Common stock - financial services industry
  
554
   
25
   
-
   
579
 
Total
  
1,653
   
152
   
(5
)
  
1,800
 
Total available-for-sale
 
$
99,024
  
$
531
  
$
(613
)
 
$
98,942
 
                 
Held-to-Maturity Portfolio
                
Debt investment securities:
                
US Treasury, agencies and GSEs
 
$
7,860
  
$
81
  
$
(29
)
 
$
7,912
 
State and political subdivisions
  
21,585
   
881
   
-
   
22,466
 
Corporate
  
4,175
   
53
   
(3
)
  
4,225
 
Residential mortgage-backed - US agency
  
7,763
   
137
   
(5
)
  
7,895
 
Collateralized mortgage obligations - US agency
  
2,914
   
103
   
-
   
3,017
 
Total held-to-maturity
 
$
44,297
  
$
1,255
  
$
(37
)
 
$
45,515
 
Amortized Cost and Estimated Fair Value of Debt Investments by Contractual Maturity
The amortized cost and estimated fair value of debt investments at December 31, 2016 by contractual maturity are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties.

  
Available-for-Sale
  
Held-to-Maturity
 
  
Amortized
  
Estimated
  
Amortized
  
Estimated
 
 
 
Cost
  
Fair Value
  
Cost
  
Fair Value
 
(In thousands)
            
Due in one year or less
 
$
14,678
  
$
14,680
  
$
206
  
$
205
 
Due after one year through five years
  
27,008
   
26,854
   
10,173
   
10,259
 
Due after five years through ten years
  
10,732
   
10,545
   
17,823
   
18,139
 
Due after ten years
  
11,286
   
10,445
   
15,663
   
15,010
 
Sub-total
  
63,704
   
62,524
   
43,865
   
43,613
 
Residential mortgage-backed - US agency
  
31,204
   
30,566
   
6,386
   
6,397
 
Collateralized mortgage obligations - US agency
  
42,124
   
40,986
   
2,927
   
3,023
 
Collateralized mortgage obligations - Private label
  
6,682
   
6,577
   
1,467
   
1,396
 
Totals
 
$
143,714
  
$
140,653
  
$
54,645
  
$
54,429
 
Investment Securities' Gross Unrealized Losses and Fair Value by Investment Category and Length of Time that Individual Securities have Continuous Unrealized Loss Position
The Company's investment securities' gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, is as follows:

  
December 31, 2016
 
  
Less than Twelve Months
  
Twelve Months or More
  
Total
 
  
Number of
        
Number of
        
Number of
       
  
Individual
  
Unrealized
  
Fair
  
Individual
  
Unrealized
  
Fair
  
Individual
  
Unrealized
  
Fair
 
 
 
Securities
  
Losses
  
Value
  
Securities
  
Losses
  
Value
  
Securities
  
Losses
  
Value
 
(Dollars in thousands)
                           
Available-for-Sale
                           
US Treasury, agencies and GSE's
  
6
  
$
(80
)
 
$
22,161
   
-
  
$
-
  
$
-
   
6
  
$
(80
)
 
$
22,161
 
State and political subdivisions
  
53
   
(737
)
  
14,057
   
-
   
-
   
-
   
53
   
(737
)
  
14,057
 
Corporate
  
10
   
(385
)
  
10,587
   
-
   
-
   
-
   
10
   
(385
)
  
10,587
 
Asset backed securities
  
3
   
(37
)
  
4,455
   
-
   
-
   
-
   
3
   
(37
)
  
4,455
 
Equity and other investments
  
1
   
(17
)
  
626
   
-
   
-
   
-
   
1
   
(17
)
  
626
 
Residential mortgage-backed - US agency
  
23
   
(638
)
  
29,849
   
-
   
-
   
-
   
23
   
(638
)
  
29,849
 
Collateralized mortgage obligations - US agency
  
28
   
(1,087
)
  
33,376
   
4
   
(96
)
  
2,514
   
32
   
(1,183
)
  
35,890
 
Collateralized mortgage obligations - Private label
  
5
   
(105
)
  
6,577
   
-
   
-
   
-
   
5
   
(105
)
  
6,577
 
Totals
  
129
  
$
(3,086
)
 
$
121,688
   
4
  
$
(96
)
 
$
2,514
   
133
  
$
(3,182
)
 
$
124,202
 
Held-to-Maturity
                                    
US Treasury, agencies and GSE's
  
1
  
$
(18
)
 
$
982
   
-
  
$
-
  
$
-
   
1
  
$
(18
)
 
$
982
 
State and political subdivisions
  
16
   
(693
)
  
10,038
   
-
   
-
   
-
   
16
   
(693
)
  
10,038
 
Corporate
  
5
   
(228
)
  
4,402
   
-
   
-
   
-
   
5
   
(228
)
  
4,402
 
Residential mortgage-backed - US agency
  
3
   
(20
)
  
1,869
   
-
   
-
   
-
   
3
   
(20
)
  
1,869
 
Collateralized mortgage obligations - US agency
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Collateralized mortgage obligations - Private label
  
1
   
(71
)
  
1,396
   
-
   
-
   
-
   
1
   
(71
)
  
1,396
 
Totals
  
26
  
$
(1,030
)
 
$
18,687
   
-
  
$
-
  
$
-
   
26
  
$
(1,030
)
 
$
18,687
 

 
  
December 31, 2015
 
  
Less than Twelve Months
  
Twelve Months or More
  
Total
 
  
Number of
        
Number of
        
Number of
       
  
Individual
  
Unrealized
  
Fair
  
Individual
  
Unrealized
  
Fair
  
Individual
  
Unrealized
  
Fair
 
 
 
Securities
  
Losses
  
Value
  
Securities
  
Losses
  
Value
  
Securities
  
Losses
  
Value
 
(Dollars in thousands)
                           
Available-for-Sale
                           
US Treasury, agencies and GSE's
  
9
  
$
(70
)
 
$
13,382
   
1
  
$
(15
)
 
$
984
   
10
  
$
(85
)
 
$
14,366
 
State and political subdivisions
  
13
   
(4
)
  
1,894
   
3
   
(1
)
  
339
   
16
   
(5
)
  
2,233
 
Corporate
  
10
   
(57
)
  
8,123
   
2
   
(39
)
  
2,820
   
12
   
(96
)
  
10,943
 
Asset backed securities
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Equity and other investments
  
1
   
(5
)
  
638
   
-
   
-
   
-
   
1
   
(5
)
  
638
 
Residential mortgage-backed - US agency
  
14
   
(148
)
  
20,204
   
5
   
(132
)
  
4,812
   
19
   
(280
)
  
25,016
 
Collateralized mortgage obligations - US agency
  
6
   
(80
)
  
8,618
   
3
   
(62
)
  
1,789
   
9
   
(142
)
  
10,407
 
Collateralized mortgage obligations - Private label
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Totals
  
53
  
$
(364
)
 
$
52,859
   
14
  
$
(249
)
 
$
10,744
   
67
  
$
(613
)
 
$
63,603
 
Held-to-Maturity
                                    
US Treasury, agencies and GSE's
  
2
  
$
(29
)
 
$
2,970
   
-
  
$
-
  
$
-
   
2
  
$
(29
)
 
$
2,970
 
State and political subdivisions
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Corporate
  
1
   
(3
)
  
225
   
-
   
-
   
-
   
1
   
(3
)
  
225
 
Residential mortgage-backed - US agency
  
1
   
(5
)
  
795
   
-
   
-
   
-
   
1
   
(5
)
  
795
 
Collateralized mortgage obligations - US agency
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Collateralized mortgage obligations - Private label
  
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
   
-
 
Totals
  
4
  
$
(37
)
 
$
3,990
   
-
  
$
-
  
$
-
   
4
  
$
(37
)
 
$
3,990
 
Gross Realized Gains (Losses) on Sale of Securities
Proceeds of $33.2 million and $25.2 million, respectively on sales and redemptions of securities for the years ended December 31 resulted in gross realized gains (losses) detailed below:

(In thousands)
 
2016
  
2015
 
Realized gains on investments
 
$
526
  
$
439
 
Realized gains on hedging activity
  
85
   
-
 
Realized losses on investments
  
(17
)
  
(17
)
 
 
$
594
  
$
422
 
XML 50 R39.htm IDEA: XBRL DOCUMENT v3.7.0.1
LOANS (Tables)
 12 Months Ended
Dec. 31, 2016
LOANS [Abstract]  
Major Classification of Loans
Major classifications of loans are as follows:

  
December 31,
  
December 31,
 
(In thousands)
 
2016
  
2015
 
Residential mortgage loans:
      
1-4 family first-lien residential mortgages
 
$
199,000
  
$
181,792
 
Construction
  
8,505
   
7,924
 
Total residential mortgage loans
  
207,505
   
189,716
 
         
Commercial loans:
        
Real estate
  
150,698
   
129,506
 
Lines of credit
  
23,225
   
19,035
 
Other commercial and industrial
  
67,646
   
54,899
 
Tax exempt loans
  
12,523
   
9,081
 
Total commercial loans
  
254,092
   
212,521
 
         
Consumer loans:
        
Home equity and junior liens
  
24,722
   
23,463
 
Other consumer
  
6,293
   
4,886
 
Total consumer loans
  
31,015
   
28,349
 
 
        
Total loans
  
492,612
   
430,586
 
Net deferred loan fees
  
(465
)
  
(148
)
Less allowance for loan losses
  
(6,247
)
  
(5,706
)
Loans receivable, net
 
$
485,900
  
$
424,732
 
Summary of Classes of Loan Portfolio
The following table presents the segments and classes of the loan portfolio summarized by the aggregate pass rating and the criticized and classified ratings of special mention, substandard and doubtful within the Company's internal risk rating system:

 
 
As of December 31, 2016
 
     
Special
          
(In thousands)
 
Pass
  
Mention
  
Substandard
  
Doubtful
  
Total
 
Residential mortgage loans:
               
1-4 family first-lien residential mortgages
 
$
194,377
  
$
1,445
  
$
2,115
  
$
1,063
  
$
199,000
 
Construction
  
8,505
   
-
   
-
   
-
   
8,505
 
Total residential mortgage loans
  
202,882
   
1,445
   
2,115
   
1,063
   
207,505
 
Commercial loans:
                    
Real estate
  
143,126
   
3,714
   
3,858
   
-
   
150,698
 
Lines of credit
  
22,141
   
684
   
400
   
-
   
23,225
 
Other commercial and industrial
  
66,279
   
661
   
702
   
4
   
67,646
 
Tax exempt loans
  
12,523
   
-
   
-
   
-
   
12,523
 
Total commercial loans
  
244,069
   
5,059
   
4,960
   
4
   
254,092
 
Consumer loans:
                    
Home equity and junior liens
  
23,963
   
170
   
389
   
200
   
24,722
 
Other consumer
  
6,224
   
17
   
8
   
44
   
6,293
 
Total consumer loans
  
30,187
   
187
   
397
   
244
   
31,015
 
Total loans
 
$
477,138
  
$
6,691
  
$
7,472
  
$
1,311
  
$
492,612
 
 
 
As of December 31, 2015
 
     
Special
          
(In thousands)
 
Pass
  
Mention
  
Substandard
  
Doubtful
  
Total
 
Residential mortgage loans:
               
1-4 family first-lien residential mortgages
 
$
177,244
  
$
1,375
  
$
2,425
  
$
748
  
$
181,792
 
Construction
  
7,924
   
-
   
-
   
-
   
7,924
 
Total residential mortgage loans
  
185,168
   
1,375
   
2,425
   
748
   
189,716
 
Commercial loans:
                    
Real estate
  
121,283
   
4,345
   
3,878
   
-
   
129,506
 
Lines of credit
  
17,358
   
1,469
   
208
   
-
   
19,035
 
Other commercial and industrial
  
53,540
   
848
   
504
   
7
   
54,899
 
Tax exempt loans
  
9,081
   
-
   
-
   
-
   
9,081
 
Total commercial loans
  
201,262
   
6,662
   
4,590
   
7
   
212,521
 
Consumer loans:
                    
Home equity and junior liens
  
22,780
   
182
   
287
   
214
   
23,463
 
Other consumer
  
4,840
   
31
   
15
   
-
   
4,886
 
Total consumer loans
  
27,620
   
213
   
302
   
214
   
28,349
 
Total loans
 
$
414,050
  
$
8,250
  
$
7,317
  
$
969
  
$
430,586
 
Age Analysis of Past Due Loans Segregated by Class of loans
An age analysis of past due loans, exclusive of deferred costs, segregated by class of loans were as follows:
 
 
 
As of December 31, 2016
 
  
30-59 Days
  
60-89 Days
  
90 Days
          
  
Past Due
  
Past Due
  
and Over
  
Total
     
Total Loans
 
(In thousands)
 
And Accruing
  
And Accruing
     
Past Due
  
Current
  
Receivable
 
Residential mortgage loans:
                  
1-4 family first-lien residential mortgages
 
$
1,247
  
$
832
  
$
2,560
  
$
4,639
  
$
194,361
  
$
199,000
 
Construction
  
-
   
-
   
-
   
-
   
8,505
   
8,505
 
Total residential mortgage loans
  
1,247
   
832
   
2,560
   
4,639
   
202,866
   
207,505
 
Commercial loans:
                        
Real estate
  
1,063
   
375
   
1,223
   
2,661
   
148,037
   
150,698
 
Lines of credit
  
819
   
-
   
-
   
819
   
22,406
   
23,225
 
Other commercial and industrial
  
333
   
-
   
640
   
973
   
66,673
   
67,646
 
Tax exempt loans
  
-
   
-
   
-
   
-
   
12,523
   
12,523
 
Total commercial loans
  
2,215
   
375
   
1,863
   
4,453
   
249,639
   
254,092
 
Consumer loans:
                        
Home equity and junior liens
  
105
   
157
   
338
   
600
   
24,122
   
24,722
 
Other consumer
  
8
   
13
   
50
   
71
   
6,222
   
6,293
 
Total consumer loans
  
113
   
170
   
388
   
671
   
30,344
   
31,015
 
Total loans
 
$
3,575
  
$
1,377
  
$
4,811
  
$
9,763
  
$
482,849
  
$
492,612
 
 
 
 
 
As of December 31, 2015
 
  
30-59 Days
  
60-89 Days
  
90 Days
          
  
Past Due
  
Past Due
  
and Over
  
Total
     
Total Loans
 
(In thousands)
 
And Accruing
  
And Accruing
     
Past Due
  
Current
  
Receivable
 
Residential mortgage loans:
                  
1-4 family first-lien residential mortgages
 
$
1,115
  
$
808
  
$
1,715
  
$
3,638
  
$
178,154
  
$
181,792
 
Construction
  
-
   
-
   
-
   
-
   
7,924
   
7,924
 
Total residential mortgage loans
  
1,115
   
808
   
1,715
   
3,638
   
186,078
   
189,716
 
Commercial loans:
                        
Real estate
  
940
   
135
   
2,694
   
3,769
   
125,737
   
129,506
 
Lines of credit
  
20
   
-
   
174
   
194
   
18,841
   
19,035
 
Other commercial and industrial
  
159
   
216
   
370
   
745
   
54,154
   
54,899
 
Tax exempt loans
  
-
   
-
   
-
   
-
   
9,081
   
9,081
 
Total commercial loans
  
1,119
   
351
   
3,238
   
4,708
   
207,813
   
212,521
 
Consumer loans:
                        
Home equity and junior liens
  
132
   
-
   
360
   
492
   
22,971
   
23,463
 
Other consumer
  
14
   
15
   
5
   
34
   
4,852
   
4,886
 
Total consumer loans
  
146
   
15
   
365
   
526
   
27,823
   
28,349
 
Total loans
 
$
2,380
  
$
1,174
  
$
5,318
  
$
8,872
  
$
421,714
  
$
430,586
 
Nonaccrual Loans Segregated by Class of Loan
Year-end nonaccrual loans, segregated by class of loan, were as follows:

  
December 31,
  
December 31,
 
(In thousands)
 
2016
  
2015
 
Residential mortgage loans:
      
1-4 family first-lien residential mortgages
 
$
2,560
  
$
1,715
 
 
  
2,560
   
1,715
 
Commercial loans:
        
Real estate
  
1,223
   
2,694
 
Lines of credit
  
-
   
174
 
Other commercial and industrial
  
640
   
370
 
 
  
1,863
   
3,238
 
Consumer loans:
        
Home equity and junior liens
  
338
   
360
 
Other consumer
  
50
   
5
 
 
  
388
   
365
 
Total nonaccrual loans
 
$
4,811
  
$
5,318
 
Troubled Debt Restructurings on Financing Receivables
Additional provision for loan losses is the change in the allowance for loan losses between the pre-modification outstanding recorded investment and post-modification outstanding recorded investment.
 
  
For the year ended December 31, 2016
 
(In thousands)
 
Number of loans
  
Pre-modification outstanding recorded investment
  
Post-modification outstanding recorded investment
  
Additional provision for loan losses
 
Individually evaluated for impairment:
            
Residential mortgage loans
  
3
  
$
127
  
$
135
  
$
29
 
Commercial real estate loans
  
1
   
2,088
   
2,088
   
-
 

TDRs below these threshold amounts were collectively evaluated for impairment as of December 31, 2015.

  
For the year ended December 31, 2015
 
(In thousands)
 
Number of loans
  
Pre-modification outstanding recorded investment
  
Post-modification outstanding recorded investment
  
Additional provision for loan losses
 
Individually evaluated for impairment:
            
Commercial real estate loans
  
1
  
$
678
  
$
324
  
$
354
 
                 
Collectively evaluated for impairment:
                
Residential mortgage loans
  
2
  
$
69
  
$
79
  
$
-
 
Summary of Impaired Loans Information by Portfolio Class
The following table summarizes impaired loans information by portfolio class:

  
December 31, 2016
  
December 31, 2015
 
     
Unpaid
        
Unpaid
    
  
Recorded
  
Principal
  
Related
  
Recorded
  
Principal
  
Related
 
(In thousands)
 
Investment
  
Balance
  
Allowance
  
Investment
  
Balance
  
Allowance
 
With no related allowance recorded:
                  
1-4 family first-lien residential mortgages
 
$
850
  
$
857
  
$
-
  
$
473
  
$
473
  
$
-
 
Commercial real estate
  
4,254
   
4,344
   
-
   
2,580
   
2,709
   
-
 
Commercial lines of credit
  
400
   
400
   
-
   
574
   
597
   
-
 
Other commercial and industrial
  
470
   
470
   
-
   
536
   
569
   
-
 
Home equity and junior liens
  
140
   
140
   
-
   
187
   
187
   
-
 
Other consumer
  
-
   
-
   
-
   
5
   
6
   
-
 
With an allowance recorded:
                        
1-4 family first-lien residential mortgages
  
763
   
763
   
117
   
-
   
-
   
-
 
Commercial real estate
  
818
   
872
   
455
   
1,850
   
1,963
   
760
 
Commercial lines of credit
  
-
   
-
   
-
   
5
   
5
   
5
 
Other commercial and industrial
  
552
   
552
   
553
   
224
   
230
   
193
 
Home equity and junior liens
  
345
   
345
   
5
   
101
   
101
   
2
 
Total:
                        
1-4 family first-lien residential mortgages
  
1,613
   
1,620
   
117
   
473
   
473
   
-
 
Commercial real estate
  
5,072
   
5,216
   
455
   
4,430
   
4,672
   
760
 
Commercial lines of credit
  
400
   
400
   
-
   
579
   
602
   
5
 
Other commercial and industrial
  
1,022
   
1,022
   
553
   
760
   
799
   
193
 
Home equity and junior liens
  
485
   
485
   
5
   
288
   
288
   
2
 
Other consumer
  
-
   
-
   
-
   
5
   
6
   
-
 
Totals
 
$
8,592
  
$
8,743
  
$
1,130
  
$
6,535
  
$
6,840
  
$
960
 
Average Recorded Investment in Impaired Loans
The following table presents the average recorded investment in impaired loans for the years ended December 31:

(In thousands)
 
2016
  
2015
 
1-4 family first-lien residential mortgages
 
$
777
  
$
671
 
Commercial real estate
  
4,325
   
4,742
 
Commercial lines of credit
  
479
   
520
 
Other commercial and industrial
  
724
   
803
 
Home equity and junior liens
  
325
   
305
 
Other consumer
  
2
   
7
 
Total
 
$
6,632
  
$
7,048
 
Cash Basis Interest Income Recognized on Impaired Loans
The following table presents the cash basis interest income recognized on impaired loans for the years ended December 31:

(In thousands)
 
2016
  
2015
 
1-4 family first-lien residential mortgages
 
$
64
  
$
17
 
Commercial real estate
  
161
   
92
 
Commercial lines of credit
  
-
   
-
 
Other commercial and industrial
  
66
   
29
 
Home equity and junior liens
  
13
   
-
 
Other consumer
  
-
   
-
 
Total
 
$
304
  
$
138
 
XML 51 R40.htm IDEA: XBRL DOCUMENT v3.7.0.1
ALLOWANCE FOR LOAN LOSSES (Tables)
 12 Months Ended
Dec. 31, 2016
Allowance for Loan Losses [Abstract]  
Changes in the Allowance for Loan Losses
An allocation of a portion of the allowance to a given portfolio class does not limit the Company's ability to absorb losses in another portfolio class.

 
 
December 31, 2016
 
  
1-4 family
             
  
first-lien
           
Other
 
  
residential
     
Commercial
  
Commercial
  
commercial
 
(In thousands)
 
mortgage
  
Construction
  
real estate
  
lines of credit
  
and industrial
 
Allowance for loan losses:
               
Beginning Balance
 
$
581
  
$
-
  
$
2,983
  
$
401
  
$
1,270
 
   Charge-offs
  
(242
)
  
-
   
-
   
(69
)
  
-
 
   Recoveries
  
13
   
-
   
6
   
11
   
14
 
   Provisions (credits)
  
407
   
-
   
(54
)
  
54
   
374
 
Ending balance
 
$
759
  
$
-
  
$
2,935
  
$
397
  
$
1,658
 
Ending balance: related to loans
                    
individually evaluated for impairment
 
$
117
  
$
-
  
$
455
  
$
-
  
$
553
 
Ending balance: related to loans
                    
collectively evaluated for impairment
 
$
642
  
$
-
  
$
2,480
  
$
397
  
$
1,105
 
                     
Loans receivables:
                    
Ending balance
 
$
199,000
  
$
8,505
  
$
150,698
  
$
23,225
  
$
67,646
 
Ending balance: individually
                    
evaluated for impairment
 
$
1,613
  
$
-
  
$
5,072
  
$
400
  
$
1,022
 
Ending balance: collectively
                    
evaluated for impairment
 
$
197,387
  
$
8,505
  
$
145,626
  
$
22,825
  
$
66,624
 
 
     
Home equity
  
Other
       
 
 
Tax exempt
  
and junior liens
  
consumer
  
Unallocated
  
Total
 
Allowance for loan losses:
               
Beginning Balance
 
$
3
  
$
350
  
$
118
  
$
-
  
$
5,706
 
   Charge-offs
  
-
   
(147
)
  
(61
)
  
-
   
(519
)
   Recoveries
  
-
   
10
   
53
   
-
   
107
 
   Provisions (credits)
  
(2
)
  
118
   
56
   
-
   
953
 
Ending balance
 
$
1
  
$
331
  
$
166
  
$
-
  
$
6,247
 
Ending balance: related to loans
                    
individually evaluated for impairment
 
$
-
  
$
5
  
$
-
  
$
-
  
$
1,130
 
Ending balance: related to loans
                    
collectively evaluated for impairment
 
$
1
  
$
326
  
$
166
  
$
-
  
$
5,117
 
                     
Loans receivables:
                    
Ending balance
 
$
12,523
  
$
24,722
  
$
6,293
      
$
492,612
 
Ending balance: individually
                    
evaluated for impairment
 
$
-
  
$
485
  
$
-
      
$
8,592
 
Ending balance: collectively
                    
evaluated for impairment
 
$
12,523
  
$
24,237
  
$
6,293
      
$
484,020
 


 
 
December 31, 2015
 
  
1-4 family
             
  
first-lien
           
Other
 
  
residential
     
Commercial
  
Commercial
  
commercial
 
(In thousands)
 
mortgage
  
Construction
  
real estate
  
lines of credit
  
and industrial
 
Allowance for loan losses:
               
Beginning Balance
 
$
509
  
$
-
  
$
2,801
  
$
460
  
$
1,034
 
   Charge-offs
  
(234
)
  
-
   
(308
)
  
(206
)
  
(272
)
   Recoveries
  
40
   
-
   
-
   
38
   
10
 
   Provisions
  
266
   
-
   
490
   
109
   
498
 
Ending balance
 
$
581
  
$
-
  
$
2,983
  
$
401
  
$
1,270
 
Ending balance: related to loans
                    
individually evaluated for impairment
 
$
-
  
$
-
  
$
760
  
$
5
  
$
193
 
Ending balance: related to loans
                    
collectively evaluated for impairment
 
$
581
  
$
-
  
$
2,223
  
$
396
  
$
1,077
 
                     
Loans receivables:
                    
Ending balance
 
$
181,792
  
$
7,924
  
$
129,506
  
$
19,035
  
$
54,899
 
Ending balance: individually
                    
evaluated for impairment
 
$
473
  
$
-
  
$
4,430
  
$
579
  
$
760
 
Ending balance: collectively
                    
evaluated for impairment
 
$
181,319
  
$
7,924
  
$
125,076
  
$
18,456
  
$
54,139
 
 
     
Home equity
  
Other
       
 
 
Tax exempt
  
and junior liens
  
consumer
  
Unallocated
  
Total
 
Allowance for loan losses:
               
Beginning Balance
 
$
3
  
$
388
  
$
98
  
$
56
  
$
5,349
 
   Charge-offs
  
-
   
(26
)
  
(103
)
  
-
   
(1,149
)
   Recoveries
  
-
   
10
   
59
   
-
   
157
 
   Provisions (credits)
  
-
   
(22
)
  
64
   
(56
)
  
1,349
 
Ending balance
 
$
3
  
$
350
  
$
118
  
$
-
  
$
5,706
 
Ending balance: related to loans
                    
individually evaluated for impairment
 
$
-
  
$
2
  
$
-
  
$
-
  
$
960
 
Ending balance: related to loans
                    
collectively evaluated for impairment
 
$
3
  
$
348
  
$
118
  
$
-
  
$
4,746
 
                     
Loans receivables:
                    
Ending balance
 
$
9,081
  
$
23,463
  
$
4,886
      
$
430,586
 
Ending balance: individually
                    
evaluated for impairment
 
$
-
  
$
288
  
$
5
      
$
6,535
 
Ending balance: collectively
                    
evaluated for impairment
 
$
9,081
  
$
23,175
  
$
4,881
      
$
424,051
 
Schedule of Allowance for Loan Losses on Basis of Calculation Methodology
The allocation of the allowance for loan losses summarized on the basis of the Company's calculation methodology was as follows:

December 31, 2016
 
 
 
1-4 family
             
  
first-lien
           
Other
 
  
residential
     
Commercial
  
Commercial
  
commercial
 
(In thousands)
 
mortgage
  
Construction
  
real estate
  
lines of credit
  
and industrial
 
Specifically reserved
 
$
117
  
$
-
  
$
455
  
$
-
  
$
553
 
Historical loss rate
  
106
   
-
   
45
   
31
   
50
 
Qualitative factors
  
536
   
-
   
2,435
   
366
   
1,055
 
   Total
 
$
759
  
$
-
  
$
2,935
  
$
397
  
$
1,658
 
                     
      
Home equity
  
Other
         
(In thousands)
 
Tax exempt
  
and junior liens
  
consumer
  
Unallocated
  
Total
 
Specifically reserved
 
$
-
  
$
5
  
$
-
  
$
-
  
$
1,130
 
Historical loss rate
  
-
   
35
   
16
   
-
   
283
 
Qualitative factors
  
1
   
291
   
150
   
-
   
4,834
 
   Total
 
$
1
  
$
331
  
$
166
  
$
-
  
$
6,247
 
 
December 31, 2015
 
 
 
1-4 family
             
  
first-lien
           
Other
 
  
residential
     
Commercial
  
Commercial
  
commercial
 
(In thousands)
 
mortgage
  
Construction
  
real estate
  
lines of credit
  
and industrial
 
Specifically reserved
 
$
-
  
$
-
  
$
760
  
$
5
  
$
193
 
Historical loss rate
  
70
   
-
   
97
   
49
   
54
 
Qualitative factors
  
511
   
-
   
2,126
   
347
   
1,023
 
   Total
 
$
581
  
$
-
  
$
2,983
  
$
401
  
$
1,270
 
                     
      
Home equity
  
Other
         
(In thousands)
 
Tax exempt
  
and junior liens
  
consumer
  
Unallocated
  
Total
 
Specifically reserved
 
$
-
  
$
2
  
$
-
  
$
-
  
$
960
 
Historical loss rate
  
-
   
26
   
25
   
-
   
321
 
Qualitative factors
  
3
   
322
   
93
   
-
   
4,425
 
   Total
 
$
3
  
$
350
  
$
118
  
$
-
  
$
5,706
 
XML 52 R41.htm IDEA: XBRL DOCUMENT v3.7.0.1
SERVICING (Tables)
 12 Months Ended
Dec. 31, 2016
SERVICING [Abstract]  
Mortgage Servicing Rights Capitalized and Amortized
The following summarizes mortgage servicing rights capitalized and amortized:

(In thousands)
 
2016
  
2015
 
Mortgage servicing rights capitalized
 
$
-
  
$
-
 
Mortgage servicing rights amortized
 
$
12
  
$
14
 
XML 53 R42.htm IDEA: XBRL DOCUMENT v3.7.0.1
PREMISES AND EQUIPMENT (Tables)
 12 Months Ended
Dec. 31, 2016
PREMISES AND EQUIPMENT [Abstract]  
Premises and Equipment
A summary of premises and equipment at December 31, is as follows:

(In thousands)
 
2016
  
2015
 
Land
 
$
2,205
  
$
2,176
 
Buildings
  
13,704
   
12,111
 
Furniture, fixtures and equipment
  
12,948
   
11,194
 
Construction in progress
  
455
   
2,502
 
   
29,312
   
27,983
 
Less: Accumulated depreciation
  
14,135
   
13,149
 
 
 
$
15,177
  
$
14,834
 
XML 54 R43.htm IDEA: XBRL DOCUMENT v3.7.0.1
FORECLOSED REAL ESTATE (Tables)
 12 Months Ended
Dec. 31, 2016
FORECLOSED REAL ESTATE [Abstract]  
Carrying Amount of Foreclosed Residential Real Estate Properties Held
The Company is required to disclose the carrying amount of foreclosed residential real estate properties held as a result of obtaining physical possession of the property at each reporting period.

     
December 31,
    
December 31,
 
(Dollars in thousands)
 
Number of properties
  
2016
  
Number of properties
  
2015
 
Foreclosed residential real estate
  
7
  
$
393
   
2
  
$
182
 
XML 55 R44.htm IDEA: XBRL DOCUMENT v3.7.0.1
GOODWILL AND INTANGIBLE ASSETS (Tables)
 12 Months Ended
Dec. 31, 2016
GOODWILL AND INTANGIBLE ASSETS [Abstract]  
Gross Carrying Amount and Accumulated Amortization for Identifiable Intangible Asset
The gross carrying amount and annual amortization for this identifiable intangible asset are as follows:

  
December 31,
 
(In thousands)
 
2016
  
2015
 
       
Gross carrying amount
 
$
214
  
$
175
 
Addition due to Huntington Agency purchase
  
-
   
55
 
Amortization recognized in the year
  
(16
)
  
(16
)
Net amortizing intangibles
 
$
198
  
$
214
 
Estimated Amortization Expense for Each of the Five Succeeding Years
The estimated amortization expense for each of the five succeeding years ended December 31, is as follows:

(In thousands)
   
2017
 
$
16
 
2018
  
16
 
2019
  
16
 
2020
  
16
 
2021
  
16
 
Thereafter
  
118
 
 
 
$
198
 
XML 56 R45.htm IDEA: XBRL DOCUMENT v3.7.0.1
DEPOSITS (Tables)
 12 Months Ended
Dec. 31, 2016
DEPOSITS [Abstract]  
Summary of Deposits
A summary of deposits at December 31 is as follows:

(In thousands)
 
2016
  
2015
 
Savings accounts
 
$
80,139
  
$
73,540
 
Time accounts
  
132,007
   
111,250
 
Time accounts of $250,000 or more
  
57,349
   
35,213
 
Money management accounts
  
14,718
   
14,081
 
MMDA accounts
  
192,692
   
146,862
 
Demand deposit interest-bearing
  
53,587
   
42,758
 
Demand deposit noninterest-bearing
  
75,282
   
61,679
 
Mortgage escrow funds
  
5,209
   
4,932
 
Total Deposits
 
$
610,983
  
$
490,315
 
Scheduled Maturities of Time Deposits
At December 31, 2016, the scheduled maturities of time deposits are as follows:

(In thousands)
   
Year of Maturity:
   
2017
 
$
119,945
 
2018
  
38,693
 
2019
  
8,774
 
2020
  
14,313
 
2021
  
4,770
 
Thereafter
  
2,861
 
Total
 
$
189,356
 
Summary of Deposits by Type
In addition to deposits obtained from its business operations within its target market areas, the Bank also obtains brokered deposits through various programs administered by Promontory Interfinancial Network.

  
At December 31,
 
  
2016
  
2015
 
(In thousands)
 
Non-Brokered
  
Brokered
  
Total
  
Non-Brokered
  
Brokered
  
Total
 
Savings accounts
 
$
80,139
  
$
-
  
$
80,139
  
$
73,540
  
$
-
  
$
73,540
 
Time accounts
  
89,200
   
42,807
   
132,007
   
78,234
   
33,016
   
111,250
 
Time accounts of $250,000 or more
  
57,349
   
-
   
57,349
   
35,213
   
-
   
35,213
 
Money management accounts
  
14,718
   
-
   
14,718
   
14,081
   
-
   
14,081
 
MMDA accounts
  
105,755
   
86,937
   
192,692
   
99,187
   
47,675
   
146,862
 
Demand deposit interest-bearing
  
53,587
   
-
   
53,587
   
42,758
   
-
   
42,758
 
Demand deposit noninterest-bearing
  
75,282
   
-
   
75,282
   
61,679
   
-
   
61,679
 
Mortgage escrow funds
  
5,209
   
-
   
5,209
   
4,932
   
-
   
4,932
 
Total Deposits
 
$
481,239
  
$
129,744
  
$
610,983
  
$
409,624
  
$
80,691
  
$
490,315
 
XML 57 R46.htm IDEA: XBRL DOCUMENT v3.7.0.1
BORROWED FUNDS (Tables)
 12 Months Ended
Dec. 31, 2016
BORROWED FUNDS [Abstract]  
Composition of Borrowings
The composition of borrowings (excluding subordinated loans) at December 31 is as follows:

(In thousands)
 
2016
  
2015
 
Short-term:
      
FHLB Advances
 
$
42,000
  
$
24,800
 
Deferred fees hedging
  
(53
)
  
-
 
Total short-term borrowings
 
$
41,947
  
$
24,800
 
Long-term:
        
FHLB advances
 
$
17,000
  
$
16,500
 
Total long-term borrowings
 
$
17,000
  
$
16,500
 
Scheduled Maturities of Debt
The principal balances, interest rates and maturities of the remaining borrowings, all of which are at a fixed rate, at December 31, 2016 are as follows:

Term
 
Principal
  
Rates
 
(Dollars in thousands)
      
Advances with FHLB
      
due within 1 year
 
$
7,000
   
0.78-2.56
%
due within 2 years
  
2,000
   
1.04
%
due within 10 years
  
8,000
   
1.16-2.55
%
Total advances with FHLB
 
$
17,000
     
Total long-term fixed rate borrowings
 
$
17,000
     

At December 31, 2016, scheduled repayments of long-term debt are as follows:

(In thousands)
   
2017
 
$
7,000
 
2018
  
2,000
 
2019
  
5,000
 
2020
  
1,000
 
2021
  
-
 
Thereafter
  
2,000
 
  
$
17,000
 
XML 58 R47.htm IDEA: XBRL DOCUMENT v3.7.0.1
SUBORDINATED LOANS (Tables)
 12 Months Ended
Dec. 31, 2016
SUBORDINATED LOANS [Abstract]  
Composition of Subordinated Loans
The composition of subordinated loans at December 31 is as follows:

(In thousands)
 
2016
  
2015
 
Subordinated loans:
      
Junior subordinated debenture
 
$
5,155
  
$
5,155
 
Subordinated loan
  
9,870
   
9,836
 
Total subordinated loans
 
$
15,025
  
$
14,991
 
Schedule of Principal Balances, Interest Rates and Maturities of the Subordinated Loans
The principal balances, interest rates and maturities of the subordinated loans at December 31, 2016 are as follows:

Term
 
Principal
  
Rates
 
(Dollars in thousands)
      
Subordinated loans:
      
due within 10 years
 
$
9,870
   
6.48
%
due within 21 years
  
5,155
  
3-Month Libor + 1.65%
 
Total subordinated loans
 
$
15,025
     
Scheduled Repayments of the Subordinated Loans
At December 31, 2016, scheduled repayments of the subordinated loans:

(In thousands)
   
2017
 
$
-
 
2018
  
-
 
2019
  
-
 
2020
  
-
 
2021
  
-
 
Thereafter
  
15,025
 
  
$
15,025
 
XML 59 R48.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS (Tables)
 12 Months Ended
Dec. 31, 2016
EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS [Abstract]  
Changes in Plan Benefit Obligations, Fair Value of Plan Assets and Plans' Funded Status
The following tables set forth the changes in the plans' benefit obligations, fair value of plan assets and the plans' funded status as of December 31:

  
Pension Benefits
  
Postretirement Benefits
 
(In thousands)
 
2016
  
2015
  
2016
  
2015
 
Change in benefit obligations:
            
Benefit obligations at beginning of year
 
$
9,319
  
$
9,679
  
$
159
  
$
356
 
Service cost
  
-
   
-
   
-
   
-
 
Interest cost
  
464
   
468
   
8
   
17
 
Actuarial gain
  
(231
)
  
(586
)
  
-
   
(201
)
Benefits paid
  
(229
)
  
(242
)
  
(13
)
  
(13
)
Benefit obligations at end of year
  
9,323
   
9,319
   
154
   
159
 
Change in plan assets:
                
Fair value of plan assets at beginning of year
  
12,808
   
13,125
   
-
   
-
 
Actual return on plan assets
  
1,055
   
(75
)
  
-
   
-
 
Benefits paid
  
(229
)
  
(242
)
  
(13
)
  
(13
)
Employer contributions
  
-
   
-
   
13
   
13
 
Fair value of plan assets at end of year
  
13,634
   
12,808
   
-
   
-
 
Funded Status - asset (liability)
 
$
4,311
  
$
3,489
  
$
(154
)
 
$
(159
)
Amounts Recognized in Other Comprehensive Loss
Amounts recognized in accumulated other comprehensive loss as of December 31 are as follows:

  
Pension Benefits
  
Postretirement Benefits
 
(In thousands)
 
2016
  
2015
  
2016
  
2015
 
Net loss/(gain)
 
$
2,685
  
$
3,245
  
$
(165
)
 
$
(172
)
Tax Effect
  
1,074
   
1,298
   
(66
)
  
(69
)
 
 
$
1,611
  
$
1,947
  
$
(99
)
 
$
(103
)
Significant Assumptions Used in Determining Benefit Obligations and Net Periodic Benefit Plan Cost
The significant assumptions used in determining the benefit obligations as of December 31, are as follows:

  
Pension Benefits
  
Postretirement Benefits
 
 
 
2016
  
2015
  
2016
  
2015
 
Weighted average discount rate
  
5.15
%
  
5.05
%
  
5.32
%
  
5.23
%
Rate of increase in future compensation levels
  
-
   
-
   
-
   
-
 

The significant assumptions used in determining the net periodic benefit plan cost for years ended December 31, were as follows:
 
  
Pension Benefits
  
Postretirement Benefits
 
 
 
2016
  
2015
  
2016
  
2015
 
Weighted average discount rate
  
5.05
%
  
4.90
%
  
5.23
%
  
4.98
%
Expected long term rate of return on plan assets
  
7.50
%
  
7.50
%
  
-
   
-
 
Rate of increase in future compensation levels
  
-
   
-
   
-
   
-
 
Composition of Net Periodic Benefit Plan Cost
The composition of the net periodic benefit plan cost for the years ended December 31 is as follows:

  
Pension Benefits
  
Postretirement Benefits
 
(In thousands)
 
2016
  
2015
  
2016
  
2015
 
Service cost
 
$
-
  
$
-
  
$
-
  
$
-
 
Interest cost
  
464
   
468
   
8
   
17
 
Expected return on plan assets
  
(951
)
  
(975
)
  
-
   
-
 
Amortization of transition obligation
  
-
   
-
   
-
   
-
 
Amortization of net losses/(gains)
  
226
   
180
   
(3
)
  
5
 
Amortization of unrecognized past service liability
  
-
   
-
   
(5
)
  
(5
)
Net periodic benefit plan (benefit) cost
 
$
(261
)
 
$
(327
)
 
$
-
  
$
17
 
Pension Plan Assets Measured at Fair Value
Pension plan assets measured at fair value are summarized below:

  
At December 31, 2016
 
           
Total Fair
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Value
 
Asset Category:
            
Mutual funds - equity
            
Large-cap value (a)
 
$
-
  
$
958
  
$
-
  
$
958
 
Large-cap Growth (b)
  
-
   
860
   
-
   
860
 
Large-cap Core (c)
  
-
   
609
   
-
   
609
 
                 
   Mid-cap Value (d)
  
-
   
204
   
-
   
204
 
Mid-cap Growth (e)
  
-
   
186
   
-
   
186
 
Mid-cap Core (f)
  
-
   
209
   
-
   
209
 
                 
Small-cap Value (g)
  
-
   
167
   
-
   
167
 
    Small-cap Growth (h)
  
-
   
140
   
-
   
140
 
Small-cap Core (i)
  
-
   
312
   
-
   
312
 
                 
    International Equity (j)
  
-
   
1,131
   
-
   
1,131
 
Equity -Total
  
-
   
4,776
   
-
   
4,776
 
                 
Fixed Income Funds
                
     Fixed Income-US Core (k)
  
-
   
1,695
   
-
   
1,695
 
     Intermediate Duration (l)
  
-
   
2,932
   
-
   
2,932
 
     Long Duration (m)
  
-
   
2,474
   
-
   
2,474
 
      Fixed Income-Total
  
-
   
7,101
   
-
   
7,101
 
                 
Long/Short Equity(n)
  
-
   
1,165
   
-
   
1,165
 
Company Common Stock
  
-
   
-
   
-
   
-
 
Cash Equivalents-Money market*
  
70
   
522
   
-
   
592
 
                 
Total
 
$
70
  
$
13,564
  
$
-
  
$
13,634
 
 
  
At December 31, 2015
 
           
Total Fair
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Value
 
Asset Category:
            
Mutual funds - equity
            
Large-cap value (a)
 
$
-
  
$
696
  
$
-
  
$
696
 
Large-cap Growth (b)
  
-
   
783
   
-
   
783
 
Large-cap Core (c)
  
-
   
510
   
-
   
510
 
                 
   Mid-cap Value (d)
  
-
   
166
   
-
   
166
 
Mid-cap Growth (e)
  
-
   
163
   
-
   
163
 
Mid-cap Core (f)
  
-
   
162
   
-
   
162
 
                 
Small-cap Value (g)
  
-
   
119
   
-
   
119
 
    Small-cap Growth (h)
  
-
   
117
   
-
   
117
 
Small-cap Core (i)
  
-
   
238
   
-
   
238
 
                 
    International Equity (j)
  
-
   
996
   
-
   
996
 
Equity -Total
  
-
   
3,950
   
-
   
3,950
 
                 
Fixed Income Funds
                
     Fixed Income-US Core (k)
  
-
   
1,578
   
-
   
1,578
 
     Intermediate Duration (l)
  
-
   
2,865
   
-
   
2,865
 
     Long Duration (m)
  
-
   
2,347
   
-
   
2,347
 
      Fixed Income-Total
  
-
   
6,790
   
-
   
6,790
 
                 
Long/Short Equity(n)
  
-
   
1,793
   
-
   
1,793
 
Company Common Stock
  
-
   
-
   
-
   
-
 
Cash Equivalents-Money market*
  
72
   
203
   
-
   
275
 
                 
Total
 
$
72
  
$
12,736
  
$
-
  
$
12,808
 
*Includes cash equivalents investments in equity and fixed income strategies
         

(a)
This category contains large-cap stocks with above-average yield.  The portfolio typically holds between 60 and 70 stocks.
(b)
This category seeks long-term capital appreciation by investing primarily in large growth companies based in the U.S.
(c)
This fund tracks the performance of the S&P 500 index by purchasing the securities represented in the index in approximately the same weightings as the index.
(d)
This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Value Index.
(e)
This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Growth Index.
(f)
This category seeks to track the performance of the S&P Midcap 400 Index.
(g)
This category consists of a selection of investments based on the Russell 2000 Value Index.
(h)
This category consists of a selection of investments based on the Russell 2000 Growth Index.
(i)
This category consists of an index fund designed to track the Russell 2000, along with a fund investing in readily marketable securities of U.S. companies with market capitalizations within the smallest 10% of the market universe, or smaller than the 1000th largest US company.
(j)
This category has investments in medium to large non-US companies, including high quality, durable growth companies and companies based in countries with stable economic and political systems.  A portion of this category consists of an index fund designed to track the MSC ACWI ex-US Net Dividend Return Index.
(k)
This category currently includes equal investments in three mutual funds, two of which usually hold at least 80% of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that index.  The third fund targets investments of 50% or more in mortgage-backed securities guaranteed by the US government and its agencies.
(l)
This category consists mostly of a fund which seeks to track the Barclays Capital US Corporate A or Better 5-20 Year, Bullets only Index, along with a diversified mutual fund holding fixed income securities rated A or better.
(m)
This category consists of a fund that seeks to approximate the performance of the Barclays Capital US Corporate A or Better, 20+ Year Bullets Only Index over the long term.
(n)
This category currently invests in three long/short equity hedge funds.
Expected Future Service Benefit Payments
The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid from both retirement plans:
 
  
Pension
  
Postretirement
    
(In thousands)
 
Benefits
  
Benefits
  
Total
 
Years ending December 31:
         
2017
 
$
266
  
$
13
  
$
279
 
2018
  
282
   
13
   
295
 
2019
  
292
   
13
   
305
 
2020
  
312
   
13
   
325
 
2021
  
329
   
12
   
341
 
Years 2022-2026
  
2,175
   
60
   
2,235
 
XML 60 R49.htm IDEA: XBRL DOCUMENT v3.7.0.1
STOCK BASED COMPENSATION PLANS (Tables)
 12 Months Ended
Dec. 31, 2016
STOCK BASED COMPENSATION PLANS [Abstract]  
Activity in the stock option plans
Activity in the stock option plans is as follows:

     
Weighted
    
  
Options
  
Average
  
Shares
 
(Shares in thousands)
 
Outstanding
  
Exercise Price
  
Exercisable
 
Outstanding at December 31, 2014
  
170
  
$
5.75
   
95
 
Granted
  
17
  
$
11.09
   
-
 
Newly vested
  
-
   
5.75
   
35
 
Exercised
  
(2
)
  
-
   
(2
)
Expired
  
-
   
-
   
-
 
Outstanding at December 31, 2015
  
185
  
$
5.75
   
128
 
Granted
  
264
  
$
11.25
   
-
 
Newly vested
  
-
   
6.21
   
37
 
Exercised
  
(26
)
  
-
   
(26
)
Expired
  
-
   
-
   
-
 
Outstanding at December 31, 2016
  
423
  
$
6.21
   
139
 
XML 61 R50.htm IDEA: XBRL DOCUMENT v3.7.0.1
INCOME TAXES (Tables)
 12 Months Ended
Dec. 31, 2016
INCOME TAXES [Abstract]  
Provision for Income Taxes
The provision for income taxes for the years ended December 31, is as follows:

(In thousands)
 
2016
  
2015
 
Current
 
$
1,360
  
$
955
 
Deferred
  
(249
)
  
116
 
 
 
$
1,111
  
$
1,071
 
         
The provision for income taxes includes the following:
        
         
(In thousands)
  
2016
   
2015
 
Federal Income Tax
 
$
980
  
$
929
 
State Tax
  
131
   
142
 
 
 
$
1,111
  
$
1,071
 
Component of the Net Deferred Tax (Liability) Asset
The components of the net deferred tax liability, included in other liabilities as of December 31, are as follows:
(In thousands)
 
2016
  
2015
 
Assets:
      
Deferred compensation
 
$
912
  
$
858
 
Allowance for loan losses
  
2,392
   
2,185
 
Postretirement benefits
  
56
   
61
 
Subordinated loan interest
  
37
   
-
 
Investment securities and financial derivative
  
1,229
   
-
 
Impairment losses on investment securities
  
88
   
155
 
Loan origination fees
  
184
   
66
 
Capital loss carryforward
  
62
   
120
 
Held-to-maturity securities
  
310
   
417
 
Other
  
166
   
121
 
Total
  
5,436
   
3,983
 
Liabilities:
        
Prepaid pension
  
(1,605
)
  
(1,336
)
Depreciation
  
(1,083
)
  
(1,011
)
Accretion
  
(211
)
  
(145
)
Loan origination fees
  
-
   
-
 
Intangible assets
  
(1,470
)
  
(1,470
)
Investment securities and financial derivative
  
-
   
(21
)
Mortgage servicing rights
  
(15
)
  
(20
)
Prepaid expenses and transaction fees
  
(204
)
  
(97
)
Total
  
(4,588
)
  
(4,100
)
   
848
   
(117
)
Less: deferred tax asset valuation allowance
  
(150
)
  
(265
)
Net deferred tax asset
 
$
698
  
$
(382
)
Reconciliation of the Federal Statutory Income Tax Rate to the Effective Income Tax Rate
A reconciliation of the federal statutory income tax rate to the effective income tax rate for the years ended December 31, is as follows:

 
 
2016
  
2015
 
Federal statutory income tax rate
  
34.0
%
  
34.0
%
State tax, net of federal benefit
  
1.9
   
2.3
 
Tax-exempt interest income
  
(8.6
)
  
(8.1
)
Increase in value of bank owned life insurance less premiums paid
  
(2.0
)
  
(3.0
)
Change in valuation allowance
  
(2.6
)
  
(4.8
)
Other
  
2.5
   
6.4
 
Effective income tax rate
  
25.2
%
  
26.8
%
XML 62 R51.htm IDEA: XBRL DOCUMENT v3.7.0.1
COMMITMENTS AND CONTINGENCIES (Tables)
 12 Months Ended
Dec. 31, 2016
COMMITMENTS AND CONTINGENCIES [Abstract]  
Summary of the Contractual Amounts of Financial Instruments with Credit Risk
At December 31, 2016 and 2015, the following financial instruments were outstanding whose contract amounts represent credit risk:
 
  
Contract Amount
 
(In thousands)
 
2016
  
2015
 
Commitments to grant loans
 
$
46,649
  
$
20,168
 
Unfunded commitments under lines of credit
  
48,653
   
34,469
 
Unfunded commitments related to construction loans in progress
  
5,918
   
5,726
 
Standby letters of credit
  
1,900
   
1,884
 
Minimum Rental Commitments for Non-cancelable Operating Leases
Approximate minimum rental commitments for non-cancelable operating leases are as follows:

Years Ending December 31:
   
(In thousands)
   
2017
  
147
 
2018
  
105
 
2019
  
62
 
2020
  
56
 
2021
  
31
 
Thereafter
  
293
 
Total minimum lease payments
 
$
694
 
XML 63 R52.htm IDEA: XBRL DOCUMENT v3.7.0.1
REGULATORY MATTERS (Tables)
 12 Months Ended
Dec. 31, 2016
REGULATORY MATTERS [Abstract]  
Actual Capital Amounts and Ratios
The Bank's actual capital amounts and ratios as of December 31, 2016 and 2015 are presented in the following table.
 
  
Actual
  
Minimum For
Capital Adequacy Purposes
  
Minimum To Be
"Well-Capitalized"
Under Prompt
Corrective Provisions
  
Well-Capitalized
With Buffer, Fully
Phased In For 2019
 
(Dollars in thousands)
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
As of December 31, 2016
                        
Total core capital (to risk-weighted assets)
 
$
72,098
   
14.79
%
 
$
38,996
   
8.00
%
 
$
48,745
   
10.00
%
 
$
51,182
   
10.50
%
Tier 1 capital (to risk-weighted assets)
 
$
66,003
   
13.54
%
 
$
29,247
   
6.00
%
 
$
38,996
   
8.00
%
 
$
41,433
   
8.50
%
Tier 1 common equity (to risk-weighted assets)
 
$
66,003
   
13.54
%
 
$
21,935
   
4.50
%
 
$
31,684
   
6.50
%
 
$
34,121
   
7.00
%
Tier 1 capital (to adjusted assets)
 
$
66,003
   
9.06
%
 
$
29,154
   
4.00
%
 
$
36,443
   
5.00
%
 
$
36,443
   
5.00
%
As of December 31, 2015:
                                
Total core capital (to risk-weighted assets)
 
$
67,286
   
16.22
%
 
$
33,187
   
8.00
%
 
$
41,484
   
10.00
%
        
Tier 1 capital (to risk-weighted assets)
 
$
62,038
   
14.95
%
 
$
24,891
   
6.00
%
 
$
33,187
   
8.00
%
        
Tier 1 common equity (to risk-weighted assets)
 
$
62,038
   
14.95
%
 
$
18,668
   
4.50
%
 
$
26,965
   
6.50
%
        
Tier 1 capital (to adjusted assets)
 
$
62,038
   
10.00
%
 
$
24,816
   
4.00
%
 
$
31,020
   
5.00
%
        
XML 64 R53.htm IDEA: XBRL DOCUMENT v3.7.0.1
INTEREST RATE DERIVATIVE (Tables)
 12 Months Ended
Dec. 31, 2016
INTEREST RATE DERIVATIVE [Abstract]  
Fair Value Outstanding Derivatives
The following table summarizes the fair value of outstanding derivatives and their presentation on the statements of condition as of December 31:

(In thousands)
 
2016
  
2015
 
 Cash flow hedge:
      
 Other liabilities
 
$
-
  
$
27
 
Change in Accumulated Other Comprehensive Loss on Pretax Basis and Impact on Earnings from Interest Rate Swap
The change in accumulated other comprehensive loss, on a pretax basis, and the impact on earnings from the interest rate swap that qualifies as a cash flow hedge for the year ended December 31 were as follows:

(In thousands)
 
2016
  
2015
 
Balance as of December 31:
 
$
(27
)
 
$
(82
)
Amount of gains/losses recognized in other comprehensive income
  
2
   
(6
)
Amount of loss reclassified from other comprehensive income
        
     and recognized as interest expense
  
25
   
61
 
Balance as of December 31:
 
$
-
  
$
(27
)
XML 65 R54.htm IDEA: XBRL DOCUMENT v3.7.0.1
FAIR VALUE MEASUREMENTS AND DISCLOSURES (Tables)
 12 Months Ended
Dec. 31, 2016
FAIR VALUE MEASUREMENTS AND DISCLOSURES [Abstract]  
Fair Value of Assets on Recurring Basis Segregated by Level of Valuation Inputs
The following tables summarize assets measured at fair value on a recurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value:
 
  
2016
 
           
Total Fair
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Value
 
Available-for-sale portfolio
            
Debt investment securities:
            
US Treasury, agencies and GSEs
 
$
-
  
$
24,184
  
$
-
  
$
24,184
 
State and political subdivisions
  
-
   
16,481
   
-
   
16,481
 
Corporate
  
-
   
15,195
   
-
   
15,195
 
Asset backed securities
  
-
   
6,664
   
-
   
6,664
 
Residential mortgage-backed - US agency
  
-
   
30,566
   
-
   
30,566
 
Collateralized mortgage obligations - US agency
  
-
   
40,986
   
-
   
40,986
 
Collateralized mortgage obligations - Private label
  
-
   
6,577
   
-
   
6,577
 
Equity investment securities:
                
Mutual funds:
                
Ultra short mortgage fund
  
626
   
-
   
-
   
626
 
Large cap equity fund
  
-
   
-
   
-
   
-
 
Common stock - Financial services industry
  
-
   
220
   
456
   
676
 
Total available-for-sale securities
 
$
626
  
$
140,873
  
$
456
  
$
141,955
 
                 
Interest rate swap derivative
 
$
-
  
$
-
  
$
-
  
$
-
 
 
     2015      
Total Fair
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Value
 
Available-for-sale portfolio
            
Debt investment securities:
            
US Treasury, agencies and GSEs
 
$
-
  
$
21,308
  
$
-
  
$
21,308
 
State and political subdivisions
  
-
   
8,300
   
-
   
8,300
 
Corporate
  
-
   
18,128
   
-
   
18,128
 
Residential mortgage-backed - US agency
  
-
   
32,573
   
-
   
32,573
 
Collateralized mortgage obligations - US agency
  
-
   
16,833
   
-
   
16,833
 
Collateralized mortgage obligations - Private label
  
-
   
-
   
-
   
-
 
Equity investment securities:
                
Mutual funds:
                
Ultra short mortgage fund
  
638
   
-
   
-
   
638
 
Large cap equity fund
  
583
   
-
   
-
   
583
 
Common stock - Financial services industry
  
46
   
220
   
313
   
579
 
Total available-for-sale securities
 
$
1,267
  
$
97,362
  
$
313
  
$
98,942
 
                 
Interest rate swap derivative
 
$
-
  
$
(27
)
 
$
-
  
$
(27
)
Changes in Level 3 Assets and Liabilities Measured at Estimated Fair Value on a Recurring Basis
The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis as of December 31 were as follows:
 
 (In thousands)
 
Common Stock - Financial Services Industry
 
    
 Balance - December 31, 2015
 
$
313
 
 Total gains realized/unrealized:
    
 Included in earnings
  
-
 
 Included in other comprehensive income
  
13
 
 Settlements
  
130
 
 Sales
  
-
 
 Balance - December 31, 2016
 
$
456
 
 Changes in unrealized gains included in earnings related to assets still held at December 31, 2016
 
$
-
 
Summary of Assets Measured at Fair Value on a Nonrecurring Basis Segregated by Level of Valuation Inputs
The following table summarizes the valuation techniques and significant unobservable inputs used for the Company's investments that are categorized within Level 3 of the fair value hierarchy at the indicated dates:

(In thousands)
 
At December 31, 2016
 
 Investment Type
 
Fair Value
 
 Valuation Techniques
 Unobservable Input
 
Weight
 
 Common Stock - Financial Services Industry
 
$
456
 
 Inputs to comparables
 Weight ascribed to comparable companies
  
100
%
           
 
 (In thousands)
 
At December 31, 2015
 
 Investment Type
 
Fair Value
 
 Valuation Techniques
 Unobservable Input
 
Weight
 
 Common Stock - Financial Services Industry
 
$
313
 
 Inputs to comparables
 Weight ascribed to comparable companies
  
100
%

The following tables summarize assets measured at fair value on a nonrecurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value:

     
2016
    
           
Total Fair
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Value
 
 Impaired loans
 
$
-
  
$
-
  
$
4,049
  
$
4,049
 
 Foreclosed real estate
 
$
-
  
$
-
  
$
393
  
$
393
 
 
     2015       
           
Total Fair
 
(In thousands)
 
Level 1
  
Level 2
  
Level 3
  
Value
 
 Impaired loans
 
$
-
  
$
-
  
$
1,070
  
$
1,070
 
 Foreclosed real estate
 
$
-
  
$
-
  
$
360
  
$
360
 
Fair Value Inputs, Quantitative Information
The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Level 3 inputs were used to determine fair value.
 
 
 
 
Quantitative Information about Level 3 Fair Value Measurements
 
    
 
Valuation
Unobservable
Range
 
Techniques
Input
(Weighted Avg.)
At December 31, 2016
 
 
 
Impaired loans
Appraisal of collateral
Appraisal Adjustments
5% - 10% (5%)
 
(Sales Approach)
Costs to Sell
8% - 13% (10%)
 
Discounted Cash Flow
  
    
Foreclosed real estate
Appraisal of collateral
Appraisal Adjustments
 15% - 15% (15%)
 
(Sales Approach)
Costs to Sell
 6% - 8% (7%)
 
 
 
Quantitative Information about Level 3 Fair Value Measurements
 
    
 
Valuation
Unobservable
Range
 
Techniques
Input
(Weighted Avg.)
At December 31, 2015
 
 
 
Impaired loans
Appraisal of collateral
Appraisal Adjustments
5% - 10% (8%)
 
(Sales Approach)
Costs to Sell
8% - 15% (14%)
 
Discounted Cash Flow
  
    
Foreclosed real estate
Appraisal of collateral
Appraisal Adjustments
 15% - 15% (15%)
 
(Sales Approach)
Costs to Sell
 6% - 8% (7%)
Carrying Amounts and Fair Value of Financial Instruments
The carrying amounts and fair values of the Company's financial instruments as of December 31 are presented in the following table:

     
2016
  
2015
 
  
Fair Value
  
Carrying
  
Estimated
  
Carrying
  
Estimated
 
(In thousands)
 
Hierarchy
  
Amounts
  
Fair Values
  
Amounts
  
Fair Values
 
Financial assets:
               
Cash and cash equivalents
  
1
  
$
22,419
  
$
22,419
  
$
15,245
  
$
15,245
 
Investment securities - available-for-sale
  
1
   
626
   
626
   
1,267
   
1,267
 
Investment securities - available-for-sale
  
2
   
140,873
   
140,873
   
97,362
   
97,362
 
Investment securities - available-for-sale
  
3
   
456
   
456
   
313
   
313
 
Investment securities - held-to-maturity
  
2
   
54,645
   
54,429
   
44,297
   
45,515
 
Federal Home Loan Bank stock
  
2
   
3,250
   
3,250
   
2,424
   
2,424
 
Net loans
  
3
   
485,900
   
484,704
   
424,732
   
428,410
 
Accrued interest receivable
  
1
   
2,532
   
2,532
   
2,053
   
2,053
 
                     
Financial liabilities:
                    
Demand Deposits, Savings, NOW and MMDA
  
1
  
$
421,627
  
$
421,627
  
$
343,853
  
$
343,853
 
Time Deposits
  
2
   
189,356
   
189,197
   
146,462
   
146,158
 
Borrowings
  
2
   
58,947
   
58,918
   
41,300
   
41,282
 
Subordinated loans
  
2
   
15,025
   
14,310
   
14,991
   
14,027
 
Accrued interest payable
  
1
   
75
   
75
   
199
   
199
 
Interest rate swap derivative
  
2
   
-
   
-
   
27
   
27
 
XML 66 R55.htm IDEA: XBRL DOCUMENT v3.7.0.1
PARENT COMPANY - FINANCIAL INFORMATION (Tables)
 12 Months Ended
Dec. 31, 2016
PARENT COMPANY - FINANCIAL INFORMATION [Abstract]  
Condensed Financial Information of Parent Company
The following represents the condensed financial information of Pathfinder Bancorp, Inc. as of and for the years ended December 31:

Statements of Condition
 
2016
  
2015
 
(In thousands)
      
Assets
      
Cash
 
$
5,424
  
$
21,418
 
Investments
  
455
   
358
 
Investment in bank subsidiary
  
67,281
   
64,519
 
Investment in non-bank subsidiary
  
155
   
155
 
Other assets
  
475
   
185
 
Total assets
 
$
73,790
  
$
86,635
 
Liabilities and Shareholders' Equity
        
Accrued liabilities
 
$
404
  
$
415
 
Subordinated loans
  
15,025
   
14,991
 
Shareholders' equity
  
58,361
   
71,229
 
Total liabilities and shareholders' equity
 
$
73,790
  
$
86,635
 
 
Statements of Income
 
2016
  
2015
 
(In thousands)
      
Income
      
Dividends from non-bank subsidiary
 
$
4
  
$
4
 
Realized gains on available-for sale investment securities
  
108
   
-
 
Total income
  
112
   
4
 
Expenses
        
Interest
  
880
   
300
 
Operating, net
  
230
   
248
 
Total expenses
  
1,110
   
548
 
Loss before taxes and equity in undistributed net income of subsidiaries
  
(998
)
  
(544
)
Tax benefit
  
254
   
162
 
Loss before equity in undistributed net income of subsidiaries
  
(744
)
  
(382
)
Equity in undistributed net income of subsidiaries
  
4,016
   
3,271
 
Net income
 
$
3,272
  
$
2,889
 
 
Statements of Cash Flows
 
2016
  
2015
 
(In thousands)
      
Operating Activities
      
Net Income
 
$
3,272
  
$
2,889
 
Equity in undistributed net income of subsidiaries
  
(4,016
)
  
(3,271
)
Realized gains on available-for-sale investment securities
  
(23
)
  
-
 
Stock based compensation and ESOP expense
  
557
   
354
 
Amortization of deferred financing from subordinated loan
  
34
   
-
 
Net change in other assets and liabilities
  
(152
)
  
95
 
Net cash flows from operating activities
  
(328
)
  
67
 
Investing Activities
        
Purchase investments
  
(130
)
  
(312
)
Net gain on hedging transaction
  
(85
)
  
-
 
Proceeds from sale of investment
  
43
   
-
 
Net cash flows from investing activities
  
(172
)
  
(312
)
Financing activities
        
Redemption of preferred stock - SBLF
  
(13,000
)
  
-
 
Proceeds from exercise of stock options
  
143
   
9
 
Proceeds from subordinated loan
  
-
   
9,836
 
Purchase of common stock
  
(1,755
)
  
-
 
Cash dividends paid to preferred shareholders
  
(16
)
  
(130
)
Cash dividends paid to common shareholders
  
(866
)
  
(609
)
Net cash flows from financing activities
  
(15,494
)
  
9,106
 
Change in cash and cash equivalents
  
(15,994
)
  
8,861
 
Cash and cash equivalents at beginning of year
  
21,418
   
12,557
 
Cash and cash equivalents at end of year
 
$
5,424
  
$
21,418
 
XML 67 R56.htm IDEA: XBRL DOCUMENT v3.7.0.1
RELATED PARTY TRANSACTIONS (Tables)
 12 Months Ended
Dec. 31, 2016
RELATED PARTY TRANSACTIONS [Abstract]  
Loans to Related Parties
The following represents the activity associated with loans to related parties during the year ended December 31, 2016:

(In thousands)
   
Balance at the beginning of the year
 
$
10,324
 
Originations and Officer additions
  
2,122
 
Principal payments
  
(1,562
)
Balance at the end of the year
 
$
10,884
 
XML 68 R57.htm IDEA: XBRL DOCUMENT v3.7.0.1
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)
 12 Months Ended
Dec. 31, 2016
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]  
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax
Changes in the components of accumulated other comprehensive income (loss) ("AOCI"), net of tax, for the periods indicated are summarized in the table below.

  
For the years ended December 31, 2016
 
(In thousands)
 
Retirement Plans
  
Unrealized Gains and Losses on Financial derivative
  
Unrealized Gains and Losses on Available-for-Sale Securities
  
Unrealized Loss on Securities
Transferred to
Held-to-Maturity
  
Total
 
Beginning balance
 
$
(1,844
)
 
$
(16
)
 
$
(51
)
 
$
(654
)
 
$
(2,565
)
Other comprehensive income before reclassifications
  
198
   
1
   
(1,436
)
  
190
   
(1,045
)
Amounts reclassified from AOCI
  
133
   
15
   
(358
)
  
-
   
(212
)
Ending balance
 
$
(1,513
)
 
$
-
  
$
(1,845
)
 
$
(464
)
 
$
(3,822
)


  
For the years ended December 31, 2015
 
(In thousands)
 
Retirement Plans
  
Unrealized Gains and Losses on Financial derivative
  
Unrealized Gains and Losses on Available-for-Sale Securities
  
Unrealized Loss on Securities Transferred to Held-to-Maturity
  
Total
 
Beginning balance
 
$
(1,794
)
 
$
(49
)
 
$
457
  
$
(733
)
 
$
(2,119
)
Other comprehensive (loss) income before reclassifications
  
(161
)
  
(4
)
  
(255
)
  
79
   
(341
)
Amounts reclassified from AOCI
  
111
   
37
   
(253
)
  
-
   
(105
)
Ending balance
 
$
(1,844
)
 
$
(16
)
 
$
(51
)
 
$
(654
)
 
$
(2,565
)
Schedule of Amounts Reclassified Out of Each Component of AOCI
The following table presents the amounts reclassified out of each component of AOCI for the indicated annual period:

(In thousands)
 
For the years ended
  
Details about AOCI1 components
 
December 31, 2016
  
December 31, 2015
 
Affected Line Item in the Statement of Income
              
Unrealized holding gain on financial derivative:
           
Reclassification adjustment for
           
   interest expense included in net income
 
$
(25
)
 
$
(61
)
Interest on long term borrowings
   
10
   
24
 
Provision for income taxes
  
$
(15
)
 
$
(37
)
Net Income
Retirement plan items
               
Retirement plan net losses
               
   recognized in plan expenses2
 
$
(222
)
 
$
(185
)
Salaries and employee benefits
   
89
   
74
 
Provision for income taxes
  
$
(133
)
 
$
(111
)
Net Income
                  
Available-for-sale securities
               
Realized gain on sale of securities
 
$
594
  
$
422
 
Net gains on sales and redemptions of investment securities
   
(236
)
  
(169
)
Provision for income taxes
   
358
   
253
 
Net Income
                  
1 Amounts in parentheses indicates debits in net income.
2 These items are included in net periodic pension cost.
   See Note 14 for additional information.
               
XML 69 R58.htm IDEA: XBRL DOCUMENT v3.7.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)
 3 Months Ended 12 Months Ended
Oct. 16, 2014
USD ($)
$ / shares
shares
Dec. 31, 2016
USD ($)
Subsidiary
Office
$ / shares
shares
Dec. 31, 2016
USD ($)
Subsidiary
Office
$ / shares
shares
Dec. 31, 2015
USD ($)
shares
Dec. 31, 2014
shares
Nature of Operations [Abstract]          
Ratio of conversion of shares 1.6472        
Common stock, share outstanding (in shares) | shares   4,236,744 4,236,744 4,353,850 4,353,850
Number of wholly-owned subsidiaries | Subsidiary   3 3    
Membership interest own in Fitzgibbons through subsidiary   51.00% 51.00%    
Consolidation of membership interest in Fitzgibbons   100.00% 100.00%    
Noncontrolling interest by subsidiary   49.00% 49.00%    
Number of offices located In Oswego County | Office   7 7    
Number of offices located in Onondaga County | Office   2 2    
Significant Group Concentrations of Credit Risk [Abstract]          
Minimum commercial real estate loans amount required for additional review   $ 400,000 $ 400,000    
Cash and Cash Equivalents [Abstract]          
Maturity period for classification as cash and cash equivalents, maximum     3 months    
Allowance for Loan Losses [Abstract]          
Maximum percentage for estimating specific and general losses   10.00% 10.00%    
Minimum amount, of residential mortgage loans threshold for evaluations of impairment   $ 300,000 $ 300,000    
Income Recognition on Impaired and Non-accrual Loans [Abstract]          
Number of consecutive months of current payments before non-accrual troubled debt restructured loans are restored to accrual status     6 months    
Goodwill and Intangible Assets [Abstract]          
Estimated useful life     15 years    
Derivative Financial Instruments [Abstract]          
Number of interest rate swaps     1    
Proceeds from sale of U.S. Treasury securities   25,000,000      
Repurchase agreement period     30 days    
Recognized gain on the sale of securities   85,000 $ 594,000 $ 422,000  
Tax benefit from repurchase of treasury security   34,000      
Effective tax rate     25.20% 26.80%  
Expected effective tax rate with no impact of hedging       26.60%  
After tax interest expenses partially offset   54,000      
Reduction in pretax net interest margin   82,000      
Increase in after-tax net income   65,000      
Consulting and placement fees   59,000      
Deferred fees   53,000 $ 53,000    
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]          
Unrealized loss for pension and other postretirement obligations   (2,520,000) (2,520,000) $ (3,073,000)  
Tax effect   1,007,000 1,007,000 1,229,000  
Net unrealized loss for pension and other postretirement obligations   (1,513,000) (1,513,000) (1,844,000)  
Unrealized loss on financial derivative instruments used in cash flow hedging relationships   0 0 (27,000)  
Tax effect   0 0 11,000  
Net unrealized loss on financial derivative instruments used in cash flow hedging relationships   0 0 (16,000)  
Unrealized loss on available-for-sale securities   (3,072,000) (3,072,000) (85,000)  
Tax effect   1,227,000 1,227,000 34,000  
Net unrealized loss on available-for-sale securities   (1,845,000) (1,845,000) (51,000)  
Unrealized loss on securities transferred to held-to-maturity   (774,000) (774,000) (1,090,000)  
Tax effect   310,000 310,000 436,000  
Net unrealized loss on securities transferred to held-to-maturity   (464,000) (464,000) (654,000)  
Accumulated other comprehensive loss   $ (3,822,000) $ (3,822,000) (2,565,000)  
Premises [Member] | Maximum [Member]          
Premises and Equipment [Line Items]          
Useful life     40 years    
Equipment [Member] | Maximum [Member]          
Premises and Equipment [Line Items]          
Useful life     10 years    
Pathfinder Bank [Member]          
Nature of Operations [Abstract]          
Number of shares of common stock sold (in shares) | shares 2,636,053   2,636,053    
Common stock sold per share (in dollar per share) | $ / shares $ 10.00 $ 10.00 $ 10.00    
Gross offering proceeds of common stock $ 26,400,000        
Cash received from acquisition 197,000        
Conversion related expenses 1,500,000        
Amount received of net proceeds $ 24,900,000   $ (1,755,000) $ 0  
Ratio of conversion of shares 1.6472        
Pathfinder Bank [Member] | Employee Stock Ownership Plan (ESOP) [Member]          
Nature of Operations [Abstract]          
Number of shares of common stock sold (in shares) | shares 105,442        
XML 70 R59.htm IDEA: XBRL DOCUMENT v3.7.0.1
EARNINGS PER SHARE (Details) - USD ($)
$ / shares in Units, $ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Basic Earnings Per Common Share [Abstract]    
Net income available to common shareholders $ 3,256 $ 2,759
Weighted average common shares outstanding (in shares) 4,105,000 4,124,000
Basic earnings per common share (in dollars per share) $ 0.79 $ 0.67
Diluted Earnings Per Common Share [Abstract]    
Net income available to common shareholders $ 3,256 $ 2,759
Weighted average common shares outstanding (in shares) 4,105,000 4,124,000
Effect of assumed exercise of stock options (in shares) 85,000 67,000
Diluted weighted average common shares outstanding (in shares) 4,190,000 4,191,000
Diluted earnings per common share (in dollar per share) $ 0.78 $ 0.66
Stock Options [Member]    
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]    
Anti-dilutive stock options (in shares) 214,415 4,118
XML 71 R60.htm IDEA: XBRL DOCUMENT v3.7.0.1
INVESTMENT SECURITIES (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
USD ($)
Security
Dec. 31, 2015
USD ($)
Security
Schedule of Available-for-sale Securities [Line Items]    
Totals, amortized cost $ 143,714  
Total investment securities, amortized cost basis 145,020 $ 99,024
Gross Unrealized Gains 117 531
Gross Unrealized Losses (3,182) (613)
Estimated Fair Value 141,955 98,942
Schedule of Held-to-maturity Securities [Line Items]    
Held-to-maturity securities, debt maturities, Amortized Cost 54,645 44,297
Held to maturity, gross unrealized gains 814 1,255
Held to maturity, gross unrealized losses (1,030) (37)
Held-to-maturity securities, debt maturities, Estimated Fair Value 54,429 45,515
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]    
Less than twelve months Unrealized Losses (1,030) (37)
Twelve months or more Unrealized Losses 0 0
Total Unrealized Losses (1,030) (37)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than twelve months Fair Value 18,687 3,990
Twelve months or more Fair Value 0 0
Total Fair Value $ 18,687 $ 3,990
Number of securities in unrealized loss positions, less than twelve months | Security 26 4
Number of securities in unrealized loss positions, twelve months or more | Security 0 0
Number of securities in unrealized loss positions | Security 26 4
Available-for-sale securities, debt maturities, amortized cost [Abstract]    
Due in one year or less $ 14,678  
Due after one year through five years 27,008  
Due after five years through ten years 10,732  
Due after ten years 11,286  
Sub-total 63,704  
Residential mortgage-backed - US agency 31,204  
Collateralized mortgage obligations - US agency, amortized cost 42,124  
Collateralized mortgage obligations - Private label 6,682  
Totals, amortized cost 143,714  
Available-for-sale securities, debt maturities, Estimated Fair Value [Abstract]    
Due in one year or less 14,680  
Due after one year through five years 26,854  
Due after five years through ten years 10,545  
Due after ten years 10,445  
Sub-total 62,524  
Residential mortgage-backed - US agency 30,566  
Collateralized mortgage obligations - US agency, fair value 40,986  
Collateralized mortgage obligations - Private label 6,577  
Available-for-sale securities, debt maturities, fair value, totals 140,653  
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]    
Due in one year or less 206  
Due after one year through five years 10,173  
Due after five years through ten years 17,823  
Due after ten years 15,663  
Sub-total 43,865  
Residential mortgage-backed - US agency 6,386  
Collateralized mortgage obligations - US agency 2,927  
Collateralized mortgage obligations - Private label 1,467  
Held-to-maturity securities, debt maturities, Amortized Cost 54,645 $ 44,297
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]    
Due in one year or less 205  
Due after one year through five years 10,259  
Due after five years through ten years 18,139  
Due after ten years 15,010  
Sub-total 43,613  
Residential mortgage-backed - US agency 6,397  
Collateralized mortgage obligations - US agency 3,023  
Collateralized mortgage obligations - Private label 1,396  
Held-to-maturity Securities, Debt Maturities, Fair Value 54,429 45,515
Gain (Loss) on Sale of Investments [Abstract]    
Realized gains on investments 526 439
Realized gains on hedging activity 85 0
Realized losses on investments (17) (17)
Total 594 422
Proceeds on sales and redemptions of securities 33,200 25,200
Securities pledged to collateralize deposit 96,400 89,700
Securities pledged to collateralize borrowing 12,900 17,800
Debt Securities [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Totals, amortized cost 143,714 97,371
Gross Unrealized Gains, Debt investment securities 104 379
Gross Unrealized Losses, Debt investment securities (3,165) (608)
Available-for-sale Securities, Debt investment securities 140,653 97,142
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]    
Less than twelve months Unrealized Losses (3,086) (364)
Twelve months or more Unrealized Losses (96) (249)
Total Unrealized Losses (3,182) (613)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than twelve months Fair Value 121,688 52,859
Twelve months or more Fair Value 2,514 10,744
Total Fair Value $ 124,202 $ 63,603
Number of securities in unrealized loss positions, less than twelve months | Security 129 53
Number of securities in unrealized loss positions, twelve months or more | Security 4 14
Number of securities in unrealized loss positions | Security 133 67
Available-for-sale securities, debt maturities, amortized cost [Abstract]    
Totals, amortized cost $ 143,714 $ 97,371
US Treasury, Agencies and GSEs [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Totals, amortized cost 24,263 21,380
Gross Unrealized Gains, Debt investment securities 1 13
Gross Unrealized Losses, Debt investment securities (80) (85)
Available-for-sale Securities, Debt investment securities 24,184 21,308
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]    
Less than twelve months Unrealized Losses (80) (70)
Twelve months or more Unrealized Losses 0 (15)
Total Unrealized Losses (80) (85)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than twelve months Fair Value 22,161 13,382
Twelve months or more Fair Value 0 984
Total Fair Value $ 22,161 $ 14,366
Number of securities in unrealized loss positions, less than twelve months | Security 6 9
Number of securities in unrealized loss positions, twelve months or more | Security 0 1
Number of securities in unrealized loss positions | Security 6 10
Available-for-sale securities, debt maturities, amortized cost [Abstract]    
Totals, amortized cost $ 24,263 $ 21,380
State and Political Subdivisions [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Totals, amortized cost 17,185 8,198
Gross Unrealized Gains, Debt investment securities 33 107
Gross Unrealized Losses, Debt investment securities (737) (5)
Available-for-sale Securities, Debt investment securities 16,481 8,300
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]    
Less than twelve months Unrealized Losses (737) (4)
Twelve months or more Unrealized Losses 0 (1)
Total Unrealized Losses (737) (5)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than twelve months Fair Value 14,057 1,894
Twelve months or more Fair Value 0 339
Total Fair Value $ 14,057 $ 2,233
Number of securities in unrealized loss positions, less than twelve months | Security 53 13
Number of securities in unrealized loss positions, twelve months or more | Security 0 3
Number of securities in unrealized loss positions | Security 53 16
Available-for-sale securities, debt maturities, amortized cost [Abstract]    
Totals, amortized cost $ 17,185 $ 8,198
Corporate [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Totals, amortized cost 15,560 18,173
Gross Unrealized Gains, Debt investment securities 20 51
Gross Unrealized Losses, Debt investment securities (385) (96)
Available-for-sale Securities, Debt investment securities 15,195 18,128
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]    
Less than twelve months Unrealized Losses (385) (57)
Twelve months or more Unrealized Losses 0 (39)
Total Unrealized Losses (385) (96)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than twelve months Fair Value 10,587 8,123
Twelve months or more Fair Value 0 2,820
Total Fair Value $ 10,587 $ 10,943
Number of securities in unrealized loss positions, less than twelve months | Security 10 10
Number of securities in unrealized loss positions, twelve months or more | Security 0 2
Number of securities in unrealized loss positions | Security 10 12
Available-for-sale securities, debt maturities, amortized cost [Abstract]    
Totals, amortized cost $ 15,560 $ 18,173
Asset Backed Securities [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Totals, amortized cost 6,696  
Gross Unrealized Gains, Debt investment securities 5  
Gross Unrealized Losses, Debt investment securities (37)  
Available-for-sale Securities, Debt investment securities 6,664  
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]    
Less than twelve months Unrealized Losses (37) 0
Twelve months or more Unrealized Losses 0 0
Total Unrealized Losses (37) 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than twelve months Fair Value 4,455 0
Twelve months or more Fair Value 0 0
Total Fair Value $ 4,455 $ 0
Number of securities in unrealized loss positions, less than twelve months | Security 3 0
Number of securities in unrealized loss positions, twelve months or more | Security 0 0
Number of securities in unrealized loss positions | Security 3 0
Number of securities | Security 5  
Available-for-sale securities, debt maturities, amortized cost [Abstract]    
Totals, amortized cost $ 6,696  
Residential Mortgage-Backed - US Agency [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Totals, amortized cost 31,204 $ 32,740
Gross Unrealized Gains, Debt investment securities 0 113
Gross Unrealized Losses, Debt investment securities (638) (280)
Available-for-sale Securities, Debt investment securities 30,566 32,573
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]    
Less than twelve months Unrealized Losses (638) (148)
Twelve months or more Unrealized Losses 0 (132)
Total Unrealized Losses (638) (280)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than twelve months Fair Value 29,849 20,204
Twelve months or more Fair Value 0 4,812
Total Fair Value $ 29,849 $ 25,016
Number of securities in unrealized loss positions, less than twelve months | Security 23 14
Number of securities in unrealized loss positions, twelve months or more | Security 0 5
Number of securities in unrealized loss positions | Security 23 19
Available-for-sale securities, debt maturities, amortized cost [Abstract]    
Totals, amortized cost $ 31,204 $ 32,740
Collateralized Mortgage Obligations - US Agency [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Totals, amortized cost 42,124 16,880
Gross Unrealized Gains, Debt investment securities 45 95
Gross Unrealized Losses, Debt investment securities (1,183) (142)
Available-for-sale Securities, Debt investment securities 40,986 16,833
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]    
Less than twelve months Unrealized Losses (1,087) (80)
Twelve months or more Unrealized Losses (96) (62)
Total Unrealized Losses (1,183) (142)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than twelve months Fair Value 33,376 8,618
Twelve months or more Fair Value 2,514 1,789
Total Fair Value $ 35,890 $ 10,407
Number of securities in unrealized loss positions, less than twelve months | Security 28 6
Number of securities in unrealized loss positions, twelve months or more | Security 4 3
Number of securities in unrealized loss positions | Security 32 9
Available-for-sale securities, debt maturities, amortized cost [Abstract]    
Totals, amortized cost $ 42,124 $ 16,880
Collateralized Mortgage Obligations of Private Label [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Totals, amortized cost 6,682  
Gross Unrealized Gains, Debt investment securities 0  
Gross Unrealized Losses, Debt investment securities (105)  
Available-for-sale Securities, Debt investment securities 6,577  
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]    
Less than twelve months Unrealized Losses (105) 0
Twelve months or more Unrealized Losses 0 0
Total Unrealized Losses (105) 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than twelve months Fair Value 6,577 0
Twelve months or more Fair Value 0 0
Total Fair Value $ 6,577 $ 0
Number of securities in unrealized loss positions, less than twelve months | Security 5 0
Number of securities in unrealized loss positions, twelve months or more | Security 0 0
Number of securities in unrealized loss positions | Security 5 0
Number of securities | Security 7  
Available-for-sale securities, debt maturities, amortized cost [Abstract]    
Totals, amortized cost $ 6,682  
Seven Private-Label Mortgage-Backed Securities [Member]    
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Investment securities, aggregate book value 9,800  
Five Private-Label Asset - Backed Securities [Member]    
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Investment securities, aggregate book value $ 6,700  
Municipal Securities [Member]    
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Months of unrealized loss positions 12 months  
Equity and Other Investments [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Amortized cost, equity securities $ 1,306 $ 1,653
Gross Unrealized Gains, Equity investment securities 13 152
Gross Unrealized Losses, Equity investment securities (17) (5)
Available-for-sale Securities, Equity investment securities 1,302 1,800
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]    
Less than twelve months Unrealized Losses (17) (5)
Twelve months or more Unrealized Losses 0 0
Total Unrealized Losses (17) (5)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than twelve months Fair Value 626 638
Twelve months or more Fair Value 0 0
Total Fair Value $ 626 $ 638
Number of securities in unrealized loss positions, less than twelve months | Security 1 1
Number of securities in unrealized loss positions, twelve months or more | Security 0 0
Number of securities in unrealized loss positions | Security 1 1
Mutual Funds Ultra Short Mortgage Funds [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Amortized cost, equity securities $ 643 $ 643
Gross Unrealized Gains, Equity investment securities 0 0
Gross Unrealized Losses, Equity investment securities (17) (5)
Available-for-sale Securities, Equity investment securities 626 638
Mutual Funds Large Cap Equity Fund [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Amortized cost, equity securities   456
Gross Unrealized Gains, Equity investment securities   127
Gross Unrealized Losses, Equity investment securities   0
Available-for-sale Securities, Equity investment securities   583
Mutual Funds Common Stock Financial Services Industry [Member]    
Schedule of Available-for-sale Securities [Line Items]    
Amortized cost, equity securities 663 554
Gross Unrealized Gains, Equity investment securities 13 25
Gross Unrealized Losses, Equity investment securities 0 0
Available-for-sale Securities, Equity investment securities 676 579
US Treasury, Agencies and GSEs [Member]    
Schedule of Held-to-maturity Securities [Line Items]    
Held-to-maturity securities, debt maturities, Amortized Cost 4,928 7,860
Held to maturity, gross unrealized gains 30 81
Held to maturity, gross unrealized losses (18) (29)
Held-to-maturity securities, debt maturities, Estimated Fair Value 4,940 7,912
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]    
Less than twelve months Unrealized Losses (18) (29)
Twelve months or more Unrealized Losses 0 0
Total Unrealized Losses (18) (29)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than twelve months Fair Value 982 2,970
Twelve months or more Fair Value 0 0
Total Fair Value $ 982 $ 2,970
Number of securities in unrealized loss positions, less than twelve months | Security 1 2
Number of securities in unrealized loss positions, twelve months or more | Security 0 0
Number of securities in unrealized loss positions | Security 1 2
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]    
Held-to-maturity securities, debt maturities, Amortized Cost $ 4,928 $ 7,860
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]    
Held-to-maturity Securities, Debt Maturities, Fair Value 4,940 7,912
State and Political Subdivisions [Member]    
Schedule of Held-to-maturity Securities [Line Items]    
Held-to-maturity securities, debt maturities, Amortized Cost 30,697 21,585
Held to maturity, gross unrealized gains 572 881
Held to maturity, gross unrealized losses (693) 0
Held-to-maturity securities, debt maturities, Estimated Fair Value 30,576 22,466
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]    
Less than twelve months Unrealized Losses (693) 0
Twelve months or more Unrealized Losses 0 0
Total Unrealized Losses (693) 0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than twelve months Fair Value 10,038 0
Twelve months or more Fair Value 0 0
Total Fair Value $ 10,038 $ 0
Number of securities in unrealized loss positions, less than twelve months | Security 16 0
Number of securities in unrealized loss positions, twelve months or more | Security 0 0
Number of securities in unrealized loss positions | Security 16 0
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]    
Held-to-maturity securities, debt maturities, Amortized Cost $ 30,697 $ 21,585
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]    
Held-to-maturity Securities, Debt Maturities, Fair Value 30,576 22,466
Corporate [Member]    
Schedule of Held-to-maturity Securities [Line Items]    
Held-to-maturity securities, debt maturities, Amortized Cost 8,240 4,175
Held to maturity, gross unrealized gains 85 53
Held to maturity, gross unrealized losses (228) (3)
Held-to-maturity securities, debt maturities, Estimated Fair Value 8,097 4,225
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]    
Less than twelve months Unrealized Losses (228) (3)
Twelve months or more Unrealized Losses 0 0
Total Unrealized Losses (228) (3)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than twelve months Fair Value 4,402 225
Twelve months or more Fair Value 0 0
Total Fair Value $ 4,402 $ 225
Number of securities in unrealized loss positions, less than twelve months | Security 5 1
Number of securities in unrealized loss positions, twelve months or more | Security 0 0
Number of securities in unrealized loss positions | Security 5 1
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]    
Held-to-maturity securities, debt maturities, Amortized Cost $ 8,240 $ 4,175
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]    
Held-to-maturity Securities, Debt Maturities, Fair Value 8,097 4,225
Residential Mortgage-Backed - US Agency [Member]    
Schedule of Held-to-maturity Securities [Line Items]    
Held-to-maturity securities, debt maturities, Amortized Cost 6,386 7,763
Held to maturity, gross unrealized gains 31 137
Held to maturity, gross unrealized losses (20) (5)
Held-to-maturity securities, debt maturities, Estimated Fair Value 6,397 7,895
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]    
Less than twelve months Unrealized Losses (20) (5)
Twelve months or more Unrealized Losses 0 0
Total Unrealized Losses (20) (5)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than twelve months Fair Value 1,869 795
Twelve months or more Fair Value 0 0
Total Fair Value $ 1,869 $ 795
Number of securities in unrealized loss positions, less than twelve months | Security 3 1
Number of securities in unrealized loss positions, twelve months or more | Security 0 0
Number of securities in unrealized loss positions | Security 3 1
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]    
Held-to-maturity securities, debt maturities, Amortized Cost $ 6,386 $ 7,763
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]    
Held-to-maturity Securities, Debt Maturities, Fair Value 6,397 7,895
Collateralized Mortgage Obligations - US Agency [Member]    
Schedule of Held-to-maturity Securities [Line Items]    
Held-to-maturity securities, debt maturities, Amortized Cost 2,927 2,914
Held to maturity, gross unrealized gains 96 103
Held to maturity, gross unrealized losses 0 0
Held-to-maturity securities, debt maturities, Estimated Fair Value 3,023 3,017
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]    
Less than twelve months Unrealized Losses 0 0
Twelve months or more Unrealized Losses 0 0
Total Unrealized Losses 0 0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than twelve months Fair Value 0 0
Twelve months or more Fair Value 0 0
Total Fair Value $ 0 $ 0
Number of securities in unrealized loss positions, less than twelve months | Security 0 0
Number of securities in unrealized loss positions, twelve months or more | Security 0 0
Number of securities in unrealized loss positions | Security 0 0
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]    
Held-to-maturity securities, debt maturities, Amortized Cost $ 2,927 $ 2,914
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]    
Held-to-maturity Securities, Debt Maturities, Fair Value 3,023 3,017
Residential Mortgage-Backed-Private Label [Member]    
Schedule of Held-to-maturity Securities [Line Items]    
Held-to-maturity securities, debt maturities, Amortized Cost 1,467  
Held to maturity, gross unrealized gains 0  
Held to maturity, gross unrealized losses (71)  
Held-to-maturity securities, debt maturities, Estimated Fair Value 1,396  
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]    
Held-to-maturity securities, debt maturities, Amortized Cost 1,467  
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]    
Held-to-maturity Securities, Debt Maturities, Fair Value 1,396  
Collateralized Mortgage Obligations of Private Label [Member]    
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]    
Less than twelve months Unrealized Losses (71) 0
Twelve months or more Unrealized Losses 0 0
Total Unrealized Losses (71) 0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than twelve months Fair Value 1,396 0
Twelve months or more Fair Value 0 0
Total Fair Value $ 1,396 $ 0
Number of securities in unrealized loss positions, less than twelve months | Security 1 0
Number of securities in unrealized loss positions, twelve months or more | Security 0 0
Number of securities in unrealized loss positions | Security 1 0
XML 72 R61.htm IDEA: XBRL DOCUMENT v3.7.0.1
LOANS (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans $ 492,612 $ 430,586
Net deferred loan fees (465) (148)
Less allowance for loan losses (6,247) (5,706)
Loans receivable, net 485,900 424,732
1-4 Family First-Lien Residential Mortgages [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans 199,000 181,792
Real Estate [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans $ 150,698 $ 129,506
Percentage of total loan portfolio 78.00% 81.00%
Other Commercial and Industrial [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans $ 67,646 $ 54,899
Tax Exempt Loans [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans 12,523 9,081
Residential Mortgage Loans [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Residential mortgage loans pledged to FHLBNY as blanket collateral 140,300 125,800
Home Equity and Junior Liens [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans 24,722 23,463
Other Consumer [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans 6,293 4,886
Residential Mortgage Loans [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans 207,505 189,716
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans 199,000 181,792
Residential Mortgage Loans [Member] | Construction [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans 8,505 7,924
Commercial Loans [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans 254,092 212,521
Commercial Loans [Member] | Real Estate [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans 150,698 129,506
Commercial Loans [Member] | Lines of Credit [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans 23,225 19,035
Commercial Loans [Member] | Other Commercial and Industrial [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans 67,646 54,899
Commercial Loans [Member] | Tax Exempt Loans [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans 12,523 9,081
Consumer Loans [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans 31,015 28,349
Consumer Loans [Member] | Home Equity and Junior Liens [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans 24,722 23,463
Consumer Loans [Member] | Other Consumer [Member]    
Notes, Loans and Financing Receivable, Net [Abstract]    
Total loans $ 6,293 $ 4,886
XML 73 R62.htm IDEA: XBRL DOCUMENT v3.7.0.1
LOANS, CREDIT QUALITY INDICATOR (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]    
Loans $ 492,612 $ 430,586
Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans $ 477,138 $ 414,050
Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Number of consecutive months current before loan is upgraded 6 months 6 months
Loans $ 6,691 $ 8,250
Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Number of consecutive months current before loan is upgraded 6 months 6 months
Loans $ 7,472 $ 7,317
Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,311 969
1-4 Family First-Lien Residential Mortgages [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 199,000 181,792
Real Estate [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 150,698 129,506
Other Commercial and Industrial [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 67,646 54,899
Tax Exempt Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 12,523 9,081
Home Equity and Junior Liens [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 24,722 23,463
Other Consumer [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans $ 6,293 $ 4,886
Residential Mortgage and Consumer Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Number of days past due before a loan is classified as Special Mention 60 days 60 days
Number of days past due before a loan is classified as Substandard 90 days 90 days
Residential Mortgage Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans $ 207,505 $ 189,716
Residential Mortgage Loans [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 202,882 185,168
Residential Mortgage Loans [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,445 1,375
Residential Mortgage Loans [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 2,115 2,425
Residential Mortgage Loans [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,063 748
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 199,000 181,792
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 194,377 177,244
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,445 1,375
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 2,115 2,425
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,063 748
Residential Mortgage Loans [Member] | Construction [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 8,505 7,924
Residential Mortgage Loans [Member] | Construction [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 8,505 7,924
Residential Mortgage Loans [Member] | Construction [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 0 0
Residential Mortgage Loans [Member] | Construction [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 0 0
Residential Mortgage Loans [Member] | Construction [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 0 0
Commercial Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 254,092 212,521
Commercial Loans [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 244,069 201,262
Commercial Loans [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 5,059 6,662
Commercial Loans [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 4,960 4,590
Commercial Loans [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 4 7
Commercial Loans [Member] | Real Estate [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 150,698 129,506
Commercial Loans [Member] | Real Estate [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 143,126 121,283
Commercial Loans [Member] | Real Estate [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 3,714 4,345
Commercial Loans [Member] | Real Estate [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 3,858 3,878
Commercial Loans [Member] | Real Estate [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 0 0
Commercial Loans [Member] | Lines of Credit [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 23,225 19,035
Commercial Loans [Member] | Lines of Credit [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 22,141 17,358
Commercial Loans [Member] | Lines of Credit [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 684 1,469
Commercial Loans [Member] | Lines of Credit [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 400 208
Commercial Loans [Member] | Lines of Credit [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 0 0
Commercial Loans [Member] | Other Commercial and Industrial [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 67,646 54,899
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 66,279 53,540
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 661 848
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 702 504
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 4 7
Commercial Loans [Member] | Tax Exempt Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 12,523 9,081
Commercial Loans [Member] | Tax Exempt Loans [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 12,523 9,081
Commercial Loans [Member] | Tax Exempt Loans [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 0 0
Commercial Loans [Member] | Tax Exempt Loans [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 0 0
Commercial Loans [Member] | Tax Exempt Loans [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 0 0
Consumer Loans [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 31,015 28,349
Consumer Loans [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 30,187 27,620
Consumer Loans [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 187 213
Consumer Loans [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 397 302
Consumer Loans [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 244 214
Consumer Loans [Member] | Home Equity and Junior Liens [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 24,722 23,463
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 23,963 22,780
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 170 182
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 389 287
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 200 214
Consumer Loans [Member] | Other Consumer [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 6,293 4,886
Consumer Loans [Member] | Other Consumer [Member] | Pass [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 6,224 4,840
Consumer Loans [Member] | Other Consumer [Member] | Special Mention [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 17 31
Consumer Loans [Member] | Other Consumer [Member] | Substandard [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans 8 15
Consumer Loans [Member] | Other Consumer [Member] | Doubtful [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Loans $ 44 $ 0
XML 74 R63.htm IDEA: XBRL DOCUMENT v3.7.0.1
LOANS, NON-ACCRUAL AND PAST DUE LOANS (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
USD ($)
Loan
Contract
Dec. 31, 2015
USD ($)
Loan
Contract
Recorded Investment, Past Due [Line Items]    
Total Past Due $ 9,763 $ 8,872
Current 482,849 421,714
Total Loans Receivable 492,612 430,586
Nonaccrual loans, Segregated by class of loans [Abstract]    
Nonaccrual status loans 4,811 5,318
Ninety days past due and still accruing interest $ 0 $ 0
Number of contracts, TDRs | Loan 0 0
Number of contracts, TDR payment default | Contract 0 0
Troubled Debt Restructuring, Modified [Abstract]    
Number of loans | Loan 0 0
Number of Contracts | Contract 0 0
30-59 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due $ 3,575 $ 2,380
60-89 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 1,377 1,174
90 Days and Over [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 4,811 5,318
1-4 Family First-Lien Residential Mortgages [Member]    
Recorded Investment, Past Due [Line Items]    
Total Loans Receivable 199,000 181,792
Real Estate [Member]    
Recorded Investment, Past Due [Line Items]    
Total Loans Receivable 150,698 129,506
Other Commercial and Industrial [Member]    
Recorded Investment, Past Due [Line Items]    
Total Loans Receivable 67,646 54,899
Tax Exempt Loans [Member]    
Recorded Investment, Past Due [Line Items]    
Total Loans Receivable 12,523 9,081
Home Equity and Junior Liens [Member]    
Recorded Investment, Past Due [Line Items]    
Total Loans Receivable 24,722 23,463
Other Consumer [Member]    
Recorded Investment, Past Due [Line Items]    
Total Loans Receivable 6,293 $ 4,886
Commercial Real Estate Loans [Member]    
Nonaccrual loans, Segregated by class of loans [Abstract]    
Financing Receivable Recorded Investment Threshold Value $ 100  
Number of contracts, TDRs | Loan 1 1
Troubled Debt Restructuring, Modified [Abstract]    
Number of loans | Loan 1 1
Pre-modification outstanding recorded investment $ 2,088 $ 678
Post-modification outstanding recorded investment 2,088 324
Additional provision for loan losses 0 354
Residential Mortgage Loans [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 4,639 3,638
Current 202,866 186,078
Total Loans Receivable 207,505 189,716
Nonaccrual loans, Segregated by class of loans [Abstract]    
Nonaccrual status loans $ 2,560 $ 1,715
Number of contracts, TDRs | Loan 3 2
Troubled Debt Restructuring, Modified [Abstract]    
Number of loans | Loan 3 2
Pre-modification outstanding recorded investment $ 127 $ 69
Post-modification outstanding recorded investment 135 79
Additional provision for loan losses 29 0
Residential Mortgage Loans [Member] | 30-59 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 1,247 1,115
Residential Mortgage Loans [Member] | 60-89 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 832 808
Residential Mortgage Loans [Member] | 90 Days and Over [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 2,560 1,715
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 4,639 3,638
Current 194,361 178,154
Total Loans Receivable 199,000 181,792
Nonaccrual loans, Segregated by class of loans [Abstract]    
Nonaccrual status loans 2,560 1,715
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member] | 30-59 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 1,247 1,115
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member] | 60-89 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 832 808
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member] | 90 Days and Over [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 2,560 1,715
Residential Mortgage Loans [Member] | Construction [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Current 8,505 7,924
Total Loans Receivable 8,505 7,924
Residential Mortgage Loans [Member] | Construction [Member] | 30-59 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Residential Mortgage Loans [Member] | Construction [Member] | 60-89 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Residential Mortgage Loans [Member] | Construction [Member] | 90 Days and Over [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Commercial Loans [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 4,453 4,708
Current 249,639 207,813
Total Loans Receivable 254,092 212,521
Nonaccrual loans, Segregated by class of loans [Abstract]    
Nonaccrual status loans 1,863 3,238
Commercial Loans [Member] | 30-59 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 2,215 1,119
Commercial Loans [Member] | 60-89 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 375 351
Commercial Loans [Member] | 90 Days and Over [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 1,863 3,238
Commercial Loans [Member] | Real Estate [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 2,661 3,769
Current 148,037 125,737
Total Loans Receivable 150,698 129,506
Nonaccrual loans, Segregated by class of loans [Abstract]    
Nonaccrual status loans 1,223 2,694
Commercial Loans [Member] | Real Estate [Member] | 30-59 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 1,063 940
Commercial Loans [Member] | Real Estate [Member] | 60-89 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 375 135
Commercial Loans [Member] | Real Estate [Member] | 90 Days and Over [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 1,223 2,694
Commercial Loans [Member] | Lines of Credit [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 819 194
Current 22,406 18,841
Total Loans Receivable 23,225 19,035
Nonaccrual loans, Segregated by class of loans [Abstract]    
Nonaccrual status loans 0 174
Commercial Loans [Member] | Lines of Credit [Member] | 30-59 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 819 20
Commercial Loans [Member] | Lines of Credit [Member] | 60-89 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Commercial Loans [Member] | Lines of Credit [Member] | 90 Days and Over [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 0 174
Commercial Loans [Member] | Other Commercial and Industrial [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 973 745
Current 66,673 54,154
Total Loans Receivable 67,646 54,899
Nonaccrual loans, Segregated by class of loans [Abstract]    
Nonaccrual status loans 640 370
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 30-59 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 333 159
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 60-89 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 0 216
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 90 Days and Over [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 640 370
Commercial Loans [Member] | Tax Exempt Loans [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Current 12,523 9,081
Total Loans Receivable 12,523 9,081
Commercial Loans [Member] | Tax Exempt Loans [Member] | 30-59 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Commercial Loans [Member] | Tax Exempt Loans [Member] | 60-89 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Commercial Loans [Member] | Tax Exempt Loans [Member] | 90 Days and Over [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Consumer Loans [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 671 526
Current 30,344 27,823
Total Loans Receivable 31,015 28,349
Nonaccrual loans, Segregated by class of loans [Abstract]    
Nonaccrual status loans 388 365
Financing Receivable Recorded Investment Threshold Value 300  
Consumer Loans [Member] | 30-59 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 113 146
Consumer Loans [Member] | 60-89 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 170 15
Consumer Loans [Member] | 90 Days and Over [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 388 365
Consumer Loans [Member] | Home Equity and Junior Liens [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 600 492
Current 24,122 22,971
Total Loans Receivable 24,722 23,463
Nonaccrual loans, Segregated by class of loans [Abstract]    
Nonaccrual status loans 338 360
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 30-59 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 105 132
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 60-89 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 157 0
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 90 Days and Over [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 338 360
Consumer Loans [Member] | Other Consumer [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 71 34
Current 6,222 4,852
Total Loans Receivable 6,293 4,886
Nonaccrual loans, Segregated by class of loans [Abstract]    
Nonaccrual status loans 50 5
Consumer Loans [Member] | Other Consumer [Member] | 30-59 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 8 14
Consumer Loans [Member] | Other Consumer [Member] | 60-89 Days Past Due And Accruing [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due 13 0
Consumer Loans [Member] | Other Consumer [Member] | 90 Days and Over [Member]    
Recorded Investment, Past Due [Line Items]    
Total Past Due $ 50 $ 5
XML 75 R64.htm IDEA: XBRL DOCUMENT v3.7.0.1
LOANS, IMPAIRED LOANS (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Total [Abstract]    
Recorded Investment $ 8,592 $ 6,535
Unpaid Principal Balance 8,743 6,840
Related Allowance 1,130 960
Average recorded investment [Abstract]    
Total 6,632 7,048
Cash basis interest recognized on impaired loans [Abstract]    
Total 304 138
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member]    
With no related allowance recorded [Abstract]    
Recorded Investment 850 473
Unpaid Principal Balance 857 473
Related Allowance 0 0
With an allowance recorded [Abstract]    
Recorded Investment 763 0
Unpaid Principal Balance 763 0
Related Allowance 117 0
Total [Abstract]    
Recorded Investment 1,613 473
Unpaid Principal Balance 1,620 473
Related Allowance 117 0
Average recorded investment [Abstract]    
Total 777 671
Cash basis interest recognized on impaired loans [Abstract]    
Total 64 17
Commercial Loans [Member] | Commercial Real Estate [Member]    
With no related allowance recorded [Abstract]    
Recorded Investment 4,254 2,580
Unpaid Principal Balance 4,344 2,709
Related Allowance 0 0
With an allowance recorded [Abstract]    
Recorded Investment 818 1,850
Unpaid Principal Balance 872 1,963
Related Allowance 455 760
Total [Abstract]    
Recorded Investment 5,072 4,430
Unpaid Principal Balance 5,216 4,672
Related Allowance 455 760
Average recorded investment [Abstract]    
Total 4,325 4,742
Cash basis interest recognized on impaired loans [Abstract]    
Total 161 92
Commercial Loans [Member] | Commercial Lines of Credit [Member]    
With no related allowance recorded [Abstract]    
Recorded Investment 400 574
Unpaid Principal Balance 400 597
Related Allowance 0 0
With an allowance recorded [Abstract]    
Recorded Investment 0 5
Unpaid Principal Balance 0 5
Related Allowance 0 5
Total [Abstract]    
Recorded Investment 400 579
Unpaid Principal Balance 400 602
Related Allowance 0 5
Average recorded investment [Abstract]    
Total 479 520
Cash basis interest recognized on impaired loans [Abstract]    
Total 0 0
Commercial Loans [Member] | Other Commercial and Industrial [Member]    
With no related allowance recorded [Abstract]    
Recorded Investment 470 536
Unpaid Principal Balance 470 569
Related Allowance 0 0
With an allowance recorded [Abstract]    
Recorded Investment 552 224
Unpaid Principal Balance 552 230
Related Allowance 553 193
Total [Abstract]    
Recorded Investment 1,022 760
Unpaid Principal Balance 1,022 799
Related Allowance 553 193
Average recorded investment [Abstract]    
Total 724 803
Cash basis interest recognized on impaired loans [Abstract]    
Total 66 29
Consumer Loans [Member] | Home Equity and Junior Liens [Member]    
With no related allowance recorded [Abstract]    
Recorded Investment 140 187
Unpaid Principal Balance 140 187
Related Allowance 0 0
With an allowance recorded [Abstract]    
Recorded Investment 345 101
Unpaid Principal Balance 345 101
Related Allowance 5 2
Total [Abstract]    
Recorded Investment 485 288
Unpaid Principal Balance 485 288
Related Allowance 5 2
Average recorded investment [Abstract]    
Total 325 305
Cash basis interest recognized on impaired loans [Abstract]    
Total 13 0
Consumer Loans [Member] | Other Consumer [Member]    
With no related allowance recorded [Abstract]    
Recorded Investment 0 5
Unpaid Principal Balance 0 6
Related Allowance 0 0
Total [Abstract]    
Recorded Investment 0 5
Unpaid Principal Balance 0 6
Related Allowance 0 0
Average recorded investment [Abstract]    
Total 2 7
Cash basis interest recognized on impaired loans [Abstract]    
Total $ 0 $ 0
XML 76 R65.htm IDEA: XBRL DOCUMENT v3.7.0.1
LOANS, CHANGE IN ALLOWANCE FOR LOAN LOSSES (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Allowance for loan losses [Roll Forward]    
Beginning balance $ 5,706 $ 5,349
Charge-offs (519) (1,149)
Recoveries 107 157
Provisions (credits) 953 1,349
Ending balance 6,247 5,706
Ending balance: related to loans individually evaluated for impairment 1,130 960
Ending balance: related to loans collectively evaluated for impairment 5,117 4,746
Loans receivable, ending balance 492,612 430,586
Ending balance: individually evaluated for impairment 8,592 6,535
Ending balance: collectively evaluated for impairment 484,020 424,051
1-4 Family First-Lien Residential Mortgage [Member]    
Allowance for loan losses [Roll Forward]    
Beginning balance 581 509
Charge-offs (242) (234)
Recoveries 13 40
Provisions (credits) 407 266
Ending balance 759 581
Ending balance: related to loans individually evaluated for impairment 117 0
Ending balance: related to loans collectively evaluated for impairment 642 581
Loans receivable, ending balance 199,000 181,792
Ending balance: individually evaluated for impairment 1,613 473
Ending balance: collectively evaluated for impairment 197,387 181,319
Residential Construction Mortgage [Member]    
Allowance for loan losses [Roll Forward]    
Beginning balance 0 0
Charge-offs 0 0
Recoveries 0 0
Provisions (credits) 0 0
Ending balance 0 0
Ending balance: related to loans individually evaluated for impairment 0 0
Ending balance: related to loans collectively evaluated for impairment 0 0
Loans receivable, ending balance 8,505 7,924
Ending balance: individually evaluated for impairment 0 0
Ending balance: collectively evaluated for impairment 8,505 7,924
Commercial Real Estate [Member]    
Allowance for loan losses [Roll Forward]    
Beginning balance 2,983 2,801
Charge-offs 0 (308)
Recoveries 6 0
Provisions (credits) (54) 490
Ending balance 2,935 2,983
Ending balance: related to loans individually evaluated for impairment 455 760
Ending balance: related to loans collectively evaluated for impairment 2,480 2,223
Loans receivable, ending balance 150,698 129,506
Ending balance: individually evaluated for impairment 5,072 4,430
Ending balance: collectively evaluated for impairment 145,626 125,076
Commercial Lines of Credit [Member]    
Allowance for loan losses [Roll Forward]    
Beginning balance 401 460
Charge-offs (69) (206)
Recoveries 11 38
Provisions (credits) 54 109
Ending balance 397 401
Ending balance: related to loans individually evaluated for impairment 0 5
Ending balance: related to loans collectively evaluated for impairment 397 396
Loans receivable, ending balance 23,225 19,035
Ending balance: individually evaluated for impairment 400 579
Ending balance: collectively evaluated for impairment 22,825 18,456
Other Commercial and Industrial [Member]    
Allowance for loan losses [Roll Forward]    
Beginning balance 1,270 1,034
Charge-offs 0 (272)
Recoveries 14 10
Provisions (credits) 374 498
Ending balance 1,658 1,270
Ending balance: related to loans individually evaluated for impairment 553 193
Ending balance: related to loans collectively evaluated for impairment 1,105 1,077
Loans receivable, ending balance 67,646 54,899
Ending balance: individually evaluated for impairment 1,022 760
Ending balance: collectively evaluated for impairment 66,624 54,139
Tax Exempt [Member]    
Allowance for loan losses [Roll Forward]    
Beginning balance 3 3
Charge-offs 0 0
Recoveries 0 0
Provisions (credits) (2) 0
Ending balance 1 3
Ending balance: related to loans individually evaluated for impairment 0 0
Ending balance: related to loans collectively evaluated for impairment 1 3
Loans receivable, ending balance 12,523 9,081
Ending balance: individually evaluated for impairment 0 0
Ending balance: collectively evaluated for impairment 12,523 9,081
Home Equity and Junior Liens [Member]    
Allowance for loan losses [Roll Forward]    
Beginning balance 350 388
Charge-offs (147) (26)
Recoveries 10 10
Provisions (credits) 118 (22)
Ending balance 331 350
Ending balance: related to loans individually evaluated for impairment 5 2
Ending balance: related to loans collectively evaluated for impairment 326 348
Loans receivable, ending balance 24,722 23,463
Ending balance: individually evaluated for impairment 485 288
Ending balance: collectively evaluated for impairment 24,237 23,175
Other Consumer [Member]    
Allowance for loan losses [Roll Forward]    
Beginning balance 118 98
Charge-offs (61) (103)
Recoveries 53 59
Provisions (credits) 56 64
Ending balance 166 118
Ending balance: related to loans individually evaluated for impairment 0 0
Ending balance: related to loans collectively evaluated for impairment 166 118
Loans receivable, ending balance 6,293 4,886
Ending balance: individually evaluated for impairment 0 5
Ending balance: collectively evaluated for impairment 6,293 4,881
Unallocated [Member]    
Allowance for loan losses [Roll Forward]    
Beginning balance 0 56
Charge-offs 0 0
Recoveries 0 0
Provisions (credits) 0 (56)
Ending balance 0 0
Ending balance: related to loans individually evaluated for impairment 0 0
Ending balance: related to loans collectively evaluated for impairment $ 0 $ 0
XML 77 R66.htm IDEA: XBRL DOCUMENT v3.7.0.1
LOANS, ALLOWANCE FOR LOAN LOSSES, BASIS OF CALCULATION METHODOLOGY (Details) - USD ($)
$ in Thousands
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]      
Specifically reserved $ 1,130 $ 960  
Historical loss rate 283 321  
Qualitative factors 4,834 4,425  
Total 6,247 5,706 $ 5,349
1-4 Family First-Lien Residential Mortgage [Member]      
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]      
Specifically reserved 117 0  
Historical loss rate 106 70  
Qualitative factors 536 511  
Total 759 581 509
Residential Construction Mortgage [Member]      
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]      
Specifically reserved 0 0  
Historical loss rate 0 0  
Qualitative factors 0 0  
Total 0 0 0
Commercial Real Estate [Member]      
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]      
Specifically reserved 455 760  
Historical loss rate 45 97  
Qualitative factors 2,435 2,126  
Total 2,935 2,983 2,801
Commercial Lines of Credit [Member]      
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]      
Specifically reserved 0 5  
Historical loss rate 31 49  
Qualitative factors 366 347  
Total 397 401 460
Other Commercial and Industrial [Member]      
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]      
Specifically reserved 553 193  
Historical loss rate 50 54  
Qualitative factors 1,055 1,023  
Total 1,658 1,270 1,034
Tax Exempt [Member]      
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]      
Specifically reserved 0 0  
Historical loss rate 0 0  
Qualitative factors 1 3  
Total 1 3 3
Home Equity and Junior Liens [Member]      
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]      
Specifically reserved 5 2  
Historical loss rate 35 26  
Qualitative factors 291 322  
Total 331 350 388
Other Consumer [Member]      
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]      
Specifically reserved 0 0  
Historical loss rate 16 25  
Qualitative factors 150 93  
Total 166 118 98
Unallocated [Member]      
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]      
Specifically reserved 0 0  
Historical loss rate 0 0  
Qualitative factors 0 0  
Total $ 0 $ 0 $ 56
XML 78 R67.htm IDEA: XBRL DOCUMENT v3.7.0.1
SERVICING (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
USD ($)
Loan
Dec. 31, 2015
USD ($)
Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Unpaid principal balance of mortgage and other loans $ 17,000 $ 20,900
Capitalized servicing rights 40 52
Mortgage servicing rights capitalized 0 0
Mortgage servicing rights amortized $ 12 $ 14
Residential Mortgage Loans [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Number of loans | Loan 268 317
XML 79 R68.htm IDEA: XBRL DOCUMENT v3.7.0.1
PREMISES AND EQUIPMENT (Details) - USD ($)
$ in Thousands
Dec. 31, 2016
Dec. 31, 2015
Premises and Equipment [Line Items]    
Premises and equipment, gross $ 29,312 $ 27,983
Less: Accumulated depreciation 14,135 13,149
Premises and equipment, net 15,177 14,834
Land [Member]    
Premises and Equipment [Line Items]    
Premises and equipment, gross 2,205 2,176
Buildings [Member]    
Premises and Equipment [Line Items]    
Premises and equipment, gross 13,704 12,111
Furniture, Fixtures and Equipment [Member]    
Premises and Equipment [Line Items]    
Premises and equipment, gross 12,948 11,194
Construction in Progress [Member]    
Premises and Equipment [Line Items]    
Premises and equipment, gross $ 455 $ 2,502
XML 80 R69.htm IDEA: XBRL DOCUMENT v3.7.0.1
FORECLOSED REAL ESTATE (Details)
$ in Thousands
Dec. 31, 2016
USD ($)
Property
Dec. 31, 2015
USD ($)
Property
Real Estate Properties [Line Items]    
Foreclosed real estate $ 597 $ 517
Residential real estate loans in the process of foreclosure $ 659  
Foreclosed Residential Real Estate [Member]    
Real Estate Properties [Line Items]    
Number of properties | Property 7 2
Foreclosed real estate $ 393 $ 182
XML 81 R70.htm IDEA: XBRL DOCUMENT v3.7.0.1
GOODWILL AND INTANGIBLE ASSETS (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2013
Dec. 31, 2015
Business Acquisition [Line Items]      
Goodwill $ 4,536   $ 4,536
Identifiable intangible asset $ 198    
Future weighted amortization period of intangible asset 7 years    
Gross carrying amount and accumulated amortization for identifiable intangible asset [Abstract]      
Gross carrying amount $ 214   175
Addition due to Huntington agency purchase 0   55
Amortization recognized in the year (16)   (16)
Net amortizing intangibles 198   214
Estimated amortization expense for each of the five succeeding years [Abstract]      
2017 16    
2018 16    
2019 16    
2020 16    
2021 16    
Thereafter 118    
Net amortizing intangibles 198   $ 214
Branches [Member]      
Business Acquisition [Line Items]      
Goodwill acquired $ 3,800    
Fitzgibbons Agency [Member]      
Business Acquisition [Line Items]      
Goodwill acquired   $ 696  
XML 82 R71.htm IDEA: XBRL DOCUMENT v3.7.0.1
DEPOSITS (Details) - USD ($)
$ in Thousands
Dec. 31, 2016
Dec. 31, 2015
Summary of deposits [Abstract]    
Savings accounts $ 80,139 $ 73,540
Time accounts 132,007 111,250
Time accounts of $250,000 or more 57,349 35,213
Money management accounts 14,718 14,081
MMDA accounts 192,692 146,862
Demand deposit interest-bearing 53,587 42,758
Demand deposit noninterest-bearing 75,282 61,679
Mortgage escrow funds 5,209 4,932
Total deposits 610,983 490,315
Maturities of time deposits [Abstract]    
2017 119,945  
2018 38,693  
2019 8,774  
2020 14,313  
2021 4,770  
Thereafter 2,861  
Total 189,356  
Non-Brokered [Member]    
Summary of deposits [Abstract]    
Savings accounts 80,139 73,540
Time accounts 89,200 78,234
Time accounts of $250,000 or more 57,349 35,213
Money management accounts 14,718 14,081
MMDA accounts 105,755 99,187
Demand deposit interest-bearing 53,587 42,758
Demand deposit noninterest-bearing 75,282 61,679
Mortgage escrow funds 5,209 4,932
Total deposits 481,239 409,624
Brokered [Member]    
Summary of deposits [Abstract]    
Savings accounts 0 0
Time accounts 42,807 33,016
Time accounts of $250,000 or more 0 0
Money management accounts 0 0
MMDA accounts 86,937 47,675
Demand deposit interest-bearing 0 0
Demand deposit noninterest-bearing 0 0
Mortgage escrow funds 0 0
Total deposits $ 129,744 $ 80,691
XML 83 R72.htm IDEA: XBRL DOCUMENT v3.7.0.1
BORROWED FUNDS (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Short-term [Abstract]    
Deferred fees hedging $ (53) $ 0
Total short-term borrowings 41,947 24,800
Long-term [Abstract]    
Total Long-term borrowings 17,000 16,500
Advances with FHLB [Abstract]    
due within 1 year 7,000  
due within 2 years 2,000  
due within 10 years 8,000  
Total advances with FHLB 17,000  
Total long-term fixed rate borrowings $ 17,000 16,500
Federal Home Loan Bank advances interest rate [Abstract]    
due within 2 years interest rate 1.04%  
Long-term Debt, Fiscal Year Maturity [Abstract]    
2017 $ 7,000  
2018 2,000  
2019 5,000  
2020 1,000  
2021 0  
Thereafter 2,000  
Total long-term fixed rate borrowings $ 17,000 16,500
Minimum [Member]    
Federal Home Loan Bank advances interest rate [Abstract]    
due within 1 year interest rate 0.78%  
due within 10 years interest rate 1.16%  
Maximum [Member]    
Federal Home Loan Bank advances interest rate [Abstract]    
due within 1 year interest rate 2.56%  
due within 10 years interest rate 2.55%  
FHLB Advances [Member]    
Short-term [Abstract]    
Total short-term borrowings $ 42,000 24,800
Long-term [Abstract]    
Total Long-term borrowings 17,000 16,500
Advances with FHLB [Abstract]    
Total long-term fixed rate borrowings 17,000 16,500
Long-term Debt, Fiscal Year Maturity [Abstract]    
Total long-term fixed rate borrowings 17,000 $ 16,500
Carrying value of residential mortgage loans pledged under a blanket collateral agreement 140,300  
Carrying value of FHLB stock pledged under a blanket collateral agreement $ 3,300  
XML 84 R73.htm IDEA: XBRL DOCUMENT v3.7.0.1
BORROWED FUNDS, LINES OF CREDIT (Details) - Domestic Line of Credit [Member]
$ in Millions
Dec. 31, 2016
USD ($)
Bank
Federal Reserve Bank of New York [Member]  
Line of Credit Facility [Line Items]  
Maximum borrowing capacity $ 12.9
Other Corresponding Banks [Member]  
Line of Credit Facility [Line Items]  
Maximum borrowing capacity $ 14.4
Number of corresponding banks with a line of credit available | Bank 3
Maximum borrowing capacity, unsecured basis $ 9.4
Maximum borrowing capacity, requiring collateral $ 5.0
XML 85 R74.htm IDEA: XBRL DOCUMENT v3.7.0.1
SUBORDINATED LOANS (Details) - USD ($)
$ in Thousands
 12 Months Ended
Oct. 15, 2015
Dec. 31, 2016
Mar. 01, 2016
Feb. 29, 2016
Dec. 31, 2015
Debt Instrument [Line Items]          
Subordinated loan face value   $ 5,000      
Long-term Debt, Fiscal Year Maturity [Abstract]          
2017   7,000      
2018   2,000      
2019   5,000      
2020   1,000      
2021   0      
Thereafter   2,000      
Junior Subordinated Debentures [Member]          
Debt Instrument [Line Items]          
Total subordinated loans   5,155     $ 5,155
Maturities of Subordinated Debt [Abstract]          
Total subordinated loans   5,155     5,155
Long-term Debt, Fiscal Year Maturity [Abstract]          
Total subordinated loans   $ 5,155     5,155
Junior Subordinated Debentures [Member] | Pathfinder Statutory Trust II [Member]          
Debt Instrument [Line Items]          
Ownership interest   100.00%      
Subordinated loan face value   $ 5,000      
Term of debt   30 years      
Maturity date   Dec. 31, 2037      
Effective interest rate   2.65%      
Call provision on trust securities   5 years      
Junior Subordinated Debentures [Member] | 3-Month LIBOR [Member] | Pathfinder Statutory Trust II [Member]          
Debt Instrument [Line Items]          
Debt instrument, term of variable rate   3 months      
Interest rate   1.00%      
Basis spread on variable rate   1.65%      
Maturities of Subordinated Debt, Interest rate [Abstract]          
due within 21 years   1.65%      
Subordinated Loan [Member]          
Debt Instrument [Line Items]          
Total subordinated loans   $ 9,870     9,836
Maturities of Subordinated Debt [Abstract]          
Total subordinated loans   9,870     9,836
Long-term Debt, Fiscal Year Maturity [Abstract]          
Total subordinated loans   9,870     9,836
Subordinated Debt [Member]          
Debt Instrument [Line Items]          
Subordinated loan face value $ 10,000 $ 10,000      
Maturity date   Oct. 01, 2025      
Effective interest rate   6.44%      
Subordinated loan interest rate   6.25% 6.25% 3.50%  
Origination and legal fees $ 172        
Total subordinated loans   $ 15,025     14,991
Maturities of Subordinated Debt [Abstract]          
due within 10 years   9,870      
due within 21 years   5,155      
Total subordinated loans   $ 15,025     14,991
Maturities of Subordinated Debt, Interest rate [Abstract]          
due within 10 years   6.48%      
Long-term Debt, Fiscal Year Maturity [Abstract]          
2017   $ 0      
2018   0      
2019   0      
2020   0      
2021   0      
Thereafter   15,025      
Total subordinated loans   $ 15,025     $ 14,991
Subordinated Debt [Member] | 3-Month LIBOR [Member]          
Debt Instrument [Line Items]          
Basis spread on variable rate   1.65%      
Maturities of Subordinated Debt, Interest rate [Abstract]          
due within 21 years   1.65%      
XML 86 R75.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Changes in the Plans' Benefit Obligations, Fair Value of Plan Assets and the Plans' Funded Status (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Defined Benefit Plans and Other Postretirement Benefit Plans [Line Items]    
Minimum years of service to participate in the health and life insurance benefits as of January 1, 1995 14 years  
Gains or losses greater of the benefit obligation or the fair value of assets amortized over the average remaining service period 10.00%  
Amounts Recognized in Accumulated Other Comprehensive Loss [Abstract]    
Accumulated other comprehensive income after tax $ 1,513 $ 1,844
Pension Benefits [Member]    
Change in Benefit Obligation [Roll Forward]    
Benefit obligation at beginning of year 9,319 9,679
Service cost 0 0
Interest cost 464 468
Actuarial gain (231) (586)
Benefits paid (229) (242)
Benefit obligation at end of year 9,323 9,319
Change in Plan Assets [Roll Forward]    
Fair value of plan assets at beginning of year 12,808 13,125
Actual return on plan assets 1,055 (75)
Benefits paid (229) (242)
Employer contributions 0 0
Fair value of plan assets at end of year 13,634 12,808
Funded status - asset (liability) 4,311 3,489
Amounts Recognized in Accumulated Other Comprehensive Loss [Abstract]    
Net loss/(gain) 2,685 3,245
Tax Effect 1,074 1,298
Accumulated other comprehensive income after tax 1,611 1,947
Postretirement Benefits [Member]    
Change in Benefit Obligation [Roll Forward]    
Benefit obligation at beginning of year 159 356
Service cost 0 0
Interest cost 8 17
Actuarial gain 0 (201)
Benefits paid (13) (13)
Benefit obligation at end of year 154 159
Change in Plan Assets [Roll Forward]    
Fair value of plan assets at beginning of year 0 0
Actual return on plan assets 0 0
Benefits paid (13) (13)
Employer contributions 13 13
Fair value of plan assets at end of year 0 0
Funded status - asset (liability) (154) (159)
Amounts Recognized in Accumulated Other Comprehensive Loss [Abstract]    
Net loss/(gain) (165) (172)
Tax Effect (66) (69)
Accumulated other comprehensive income after tax $ (99) $ (103)
XML 87 R76.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Benefit Obligation and Net Periodic Cost Assumptions, and Net Periodic Benefit Plan Cost (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
USD ($)
Fund
Dec. 31, 2015
USD ($)
Fund
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]    
Long-term inflation rate 2.50%  
Target Allocations [Abstract]    
Number of funds in which plan assets invested | Fund 4  
Asset rebalancing threshold 10.00%  
Policy range guideline 10.00%  
Mutual Funds - Fixed Income Intermediate duration [Member]    
Target Allocations [Abstract]    
Target plan asset allocations - well-funded 16.00%  
Estimated retirement life of assets in the trust 30 years  
Mutual Funds-Fixed Income Long Duration [Member]    
Target Allocations [Abstract]    
Target plan asset allocations - well-funded 35.00%  
Estimated retirement life of assets in the trust 30 years  
Long/Short Equity Funds [Member]    
Target Allocations [Abstract]    
Number of funds in which plan assets invested | Fund 3 3
Equities [Member]    
Target Allocations [Abstract]    
Target plan asset allocations - well-funded 65.00%  
Fixed Income Securities [Member]    
Target Allocations [Abstract]    
Target plan asset allocations - well-funded 35.00%  
Equity Securities [Member]    
Target Allocations [Abstract]    
Target plan asset allocations - well-funded 38.00%  
Estimated retirement life of assets in the trust 30 years  
Alternative Asset fund [Member]    
Target Allocations [Abstract]    
Target plan asset allocations - well-funded 10.00%  
Cash Equivalents [Member]    
Target Allocations [Abstract]    
Target plan asset allocations - well-funded 1.00%  
Pension Benefits [Member]    
Significant Assumptions Used in Determining Benefit Obligations [Abstract]    
Weighted average discount rate 5.15% 5.05%
Rate of increase in future compensation levels 0.00% 0.00%
Composition of Net Periodic Benefit Plan Cost [Abstract]    
Service cost $ 0 $ 0
Interest cost 464 468
Expected return on plan assets (951) (975)
Amortization of transition obligation 0 0
Amortization of net losses/(gains) 226 180
Amortization of unrecognized past service liability 0 0
Net periodic benefit plan (benefit) cost $ (261) $ (327)
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]    
Weighted average discount rate 5.05% 4.90%
Expected long term rate of return on plan assets 7.50% 7.50%
Rate of increase in future compensation levels 0.00% 0.00%
Expected long term rate of return on plan assets - 2017 7.00%  
Expected net periodic benefit cost in next fiscal year $ 318  
Pension Benefits [Member] | Minimum [Member] | Fixed Income Securities [Member]    
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]    
Real rate of return on assets assumption 3.00%  
Pension Benefits [Member] | Minimum [Member] | Equity Securities [Member]    
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]    
Expected long term rate of return on plan assets 5.00%  
Real rate of return on assets assumption 6.00%  
Pension Benefits [Member] | Maximum [Member] | Fixed Income Securities [Member]    
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]    
Real rate of return on assets assumption 5.00%  
Pension Benefits [Member] | Maximum [Member] | Equity Securities [Member]    
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]    
Expected long term rate of return on plan assets 7.00%  
Real rate of return on assets assumption 8.00%  
Postretirement Benefits [Member]    
Significant Assumptions Used in Determining Benefit Obligations [Abstract]    
Weighted average discount rate 5.32% 5.23%
Rate of increase in future compensation levels 0.00% 0.00%
Composition of Net Periodic Benefit Plan Cost [Abstract]    
Service cost $ 0 $ 0
Interest cost 8 17
Expected return on plan assets 0 0
Amortization of transition obligation 0 0
Amortization of net losses/(gains) (3) 5
Amortization of unrecognized past service liability (5) (5)
Net periodic benefit plan (benefit) cost $ 0 $ 17
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]    
Weighted average discount rate 5.23% 4.98%
Expected long term rate of return on plan assets 0.00% 0.00%
Rate of increase in future compensation levels 0.00% 0.00%
Expected net periodic benefit cost in next fiscal year $ 318  
Postretirement Health Care Plan [Member]    
Assumed Health Care Cost Trend Rates [Abstract]    
Health care cost trend rate assumption 6.25%  
Ultimate health care cost trend rate 5.00%  
Year that rate reaches ultimate trend rate 2022  
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]    
Decrease in expected long-term rate of return in basis points 50.00%  
Decrease in expected long-term rate of return $ 42  
Amounts that will be amortized from accumulated other comprehensive income (loss) in next fiscal year 154  
Estimated amortization of the unrecognized transition obligation and actuarial gain in next fiscal year $ 3  
XML 88 R77.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Pension Plan Assets Fair Value (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
USD ($)
Fund
Stock
Dec. 31, 2015
USD ($)
Fund
Stock
Dec. 31, 2014
USD ($)
Target Allocations [Abstract]      
Number of funds in which plan assets invested | Fund 4    
Minimum [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Approximate or typical number of stocks held in the portfolio | Stock 60 60  
Maximum [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Approximate or typical number of stocks held in the portfolio | Stock 70 70  
Mutual Funds - Equity - Small-cap Core [Member] | Maximum [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Market capitalizations 10.00% 10.00%  
Mutual Funds Fixed Income US Core [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Number of investments in fund assets in investment grade fixed income securities | Fund 2 2  
Mutual Funds Fixed Income US Core [Member] | Maximum [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Percentage of fund assets in investment grade fixed income securities 80.00% 80.00%  
Percentage of target investments in mortgage-backed securities 50.00% 50.00%  
Mutual Funds - Fixed Income Intermediate duration [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Assets category consist of number of funds | Fund 3 3  
Mutual Funds - Fixed Income Intermediate duration [Member] | Minimum [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Maturity Period of debt security 5 years 5 years  
Mutual Funds - Fixed Income Intermediate duration [Member] | Maximum [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Maturity Period of debt security 20 years 20 years  
Mutual Funds-Fixed Income Long Duration [Member] | Minimum [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Maturity Period of debt security 20 years 20 years  
Long/Short Equity Funds [Member]      
Target Allocations [Abstract]      
Number of funds in which plan assets invested | Fund 3 3  
Pension Benefits [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets $ 13,634 $ 12,808 $ 13,125
Pension Benefits [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets 70 72  
Pension Benefits [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets 13,564 12,736  
Pension Benefits [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Value [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [1] 958 696  
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Value [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [1] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Value [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [1] 958 696  
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Value [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [1] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Mid-cap Value [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [2] 204 166  
Pension Benefits [Member] | Mutual Funds - Equity - Mid-cap Value [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [2] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Mid-cap Value [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [2] 204 166  
Pension Benefits [Member] | Mutual Funds - Equity - Mid-cap Value [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [2] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Value [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [3] 167 119  
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Value [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [3] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Value [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [3] 167 119  
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Value [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [3] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Growth [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [4] 860 783  
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Growth [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [4] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Growth [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [4] 860 783  
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Growth [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [4] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Mid-Cap Growth [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [5] 186 163  
Pension Benefits [Member] | Mutual Funds - Equity - Mid-Cap Growth [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [5] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Mid-Cap Growth [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [5] 186 163  
Pension Benefits [Member] | Mutual Funds - Equity - Mid-Cap Growth [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [5] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Growth [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [6] 140 117  
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Growth [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [6] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Growth [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [6] 140 117  
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Growth [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [6] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Core [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [7] 609 510  
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Core [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [7] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Core [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [7] 609 510  
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Core [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [7] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Mid-cap Core [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [8] 209 162  
Pension Benefits [Member] | Mutual Funds - Equity - Mid-cap Core [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [8] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Mid-cap Core [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [8] 209 162  
Pension Benefits [Member] | Mutual Funds - Equity - Mid-cap Core [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [8] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Core [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [9] 312 238  
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Core [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [9] 0 0  
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Core [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [9] 312 238  
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Core [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [9] 0 0  
Pension Benefits [Member] | International Equity [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [10] 1,131 996  
Pension Benefits [Member] | International Equity [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [10] 0 0  
Pension Benefits [Member] | International Equity [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [10] 1,131 996  
Pension Benefits [Member] | International Equity [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [10] 0 0  
Pension Benefits [Member] | Mutual Funds Fixed Income US Core [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [11] 1,695 1,578  
Pension Benefits [Member] | Mutual Funds Fixed Income US Core [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [11] 0 0  
Pension Benefits [Member] | Mutual Funds Fixed Income US Core [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [11] 1,695 1,578  
Pension Benefits [Member] | Mutual Funds Fixed Income US Core [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [11] 0 0  
Pension Benefits [Member] | Mutual Funds - Fixed Income Intermediate duration [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [12] 2,932 2,865  
Pension Benefits [Member] | Mutual Funds - Fixed Income Intermediate duration [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [12] 0 0  
Pension Benefits [Member] | Mutual Funds - Fixed Income Intermediate duration [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [12] 2,932 2,865  
Pension Benefits [Member] | Mutual Funds - Fixed Income Intermediate duration [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [12] 0 0  
Pension Benefits [Member] | Mutual Funds-Fixed Income Long Duration [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [13] 2,474 2,347  
Pension Benefits [Member] | Mutual Funds-Fixed Income Long Duration [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [13] 0 0  
Pension Benefits [Member] | Mutual Funds-Fixed Income Long Duration [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [13] 2,474 2,347  
Pension Benefits [Member] | Mutual Funds-Fixed Income Long Duration [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [13] 0 0  
Pension Benefits [Member] | Long/Short Equity Funds [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [14] 1,165 1,793  
Pension Benefits [Member] | Long/Short Equity Funds [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [14] 0 0  
Pension Benefits [Member] | Long/Short Equity Funds [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [14] 1,165 1,793  
Pension Benefits [Member] | Long/Short Equity Funds [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [14] 0 0  
Pension Benefits [Member] | Company Common Stock [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets 0 0  
Pension Benefits [Member] | Company Common Stock [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets 0 0  
Pension Benefits [Member] | Company Common Stock [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets 0 0  
Pension Benefits [Member] | Company Common Stock [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets 0 0  
Pension Benefits [Member] | Equities [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets 4,776 3,950  
Pension Benefits [Member] | Equities [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets 0 0  
Pension Benefits [Member] | Equities [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets 4,776 3,950  
Pension Benefits [Member] | Equities [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets 0 0  
Pension Benefits [Member] | Fixed Income Securities [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets 7,101 6,790  
Pension Benefits [Member] | Fixed Income Securities [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets 0 0  
Pension Benefits [Member] | Fixed Income Securities [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets 7,101 6,790  
Pension Benefits [Member] | Fixed Income Securities [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets 0 0  
Pension Benefits [Member] | Cash Equivalents-Money Market [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [15] 592 275  
Pension Benefits [Member] | Cash Equivalents-Money Market [Member] | Level 1 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [15] 70 72  
Pension Benefits [Member] | Cash Equivalents-Money Market [Member] | Level 2 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [15] 522 203  
Pension Benefits [Member] | Cash Equivalents-Money Market [Member] | Level 3 [Member]      
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets [15] 0 0  
Postretirement Benefits [Member]      
Target Allocations [Abstract]      
Estimated future employer contributions in next fiscal year 13    
Pension Plan Assets Measured at Fair Value [Abstract]      
Fair value of plan assets $ 0 $ 0 $ 0
[1] This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks.
[2] This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Value Index.
[3] This category consists of a selection of investments based on the Russell 2000 Value Index.
[4] This category seeks long-term capital appreciation by investing primarily in large growth companies based in the U.S.
[5] This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Growth Index.
[6] This category consists of a selection of investments based on the Russell 2000 Growth Index.
[7] This fund tracks the performance of the S&P 500 index by purchasing the securities represented in the index in approximately the same weightings as the index.
[8] This category seeks to track the performance of the S&P Midcap 400 Index.
[9] This category consists of an index fund designed to track the Russell 2000, along with a fund investing in readily marketable securities of U.S. companies with market capitalizations within the smallest 10% of the market universe, or smaller than the 1000th largest US company.
[10] This category has investments in medium to large non-US companies, including high quality, durable growth companies and companies based in countries with stable economic and political systems. A portion of this category consists of an index fund designed to track the MSC ACWI ex-US Net Dividend Return Index.
[11] This category currently includes equal investments in three mutual funds, two of which usually hold at least 80% of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that index. The third fund targets investments of 50% or more in mortgage-backed securities guaranteed by the US government and its agencies.
[12] This category consists mostly of a fund which seeks to track the Barclays Capital US Corporate A or Better 5-20 Year, Bullets only Index, along with a diversified mutual fund holding fixed income securities rated A or better.
[13] This category consists of a fund that seeks to approximate the performance of the Barclays Capital US Corporate A or Better, 20+ Year Bullets Only Index over the long term.
[14] This category currently invests in three long/short equity hedge funds.
[15] Includes cash equivalents investments in equity and fixed income strategies
XML 89 R78.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Expected Benefit Payments (Details)
$ in Thousands
Dec. 31, 2016
USD ($)
Expected Benefit Payments [Abstract]  
2017 $ 279
2018 295
2019 305
2020 325
2021 341
Years 2022-2026 2,235
Pension Benefits [Member]  
Expected Benefit Payments [Abstract]  
2017 266
2018 282
2019 292
2020 312
2021 329
Years 2022-2026 2,175
Postretirement Benefits [Member]  
Expected Benefit Payments [Abstract]  
2017 13
2018 13
2019 13
2020 13
2021 12
Years 2022-2026 $ 60
XML 90 R79.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Other Plans (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
USD ($)
Payment
Dec. 31, 2015
USD ($)
401 (k) Plan [Abstract]    
Employer contribution to 401 (k) plan $ 300 $ 269
Additional safe harbor contribution $ 219  
Deferred Compensation Arrangement with Individual, Excluding Share-based Payments and Postretirement Benefits [Line Items]    
Period for additional annual contributions following change in control 24 months  
Period for benefit payment in the event of death, disability or termination following change in control 24 months  
Number of years the Bank is required to make additional annual contributions 3 years  
Number of annual installments for benefit payments | Payment 10  
Directors and Certain Executive Officers [Member]    
Deferred Compensation Arrangement with Individual, Excluding Share-based Payments and Postretirement Benefits [Line Items]    
Deferred compensation benefit payments age 65 years  
Maximum contractual term 10 years  
Requisite service period 5 years  
Liability related to deferred compensation $ 2,400 2,200
Deferred compensation expense 339 310
Supplemental Executive Retirement Plans [Member]    
Target Allocations [Abstract]    
Other accrued liabilities 473  
Compensation expense 0 4
Cash surrender value of life insurance 11,500 10,600
Supplemental Executive Retirement Plans [Member] | Retired CEO [Member]    
Target Allocations [Abstract]    
Other accrued liabilities $ 0 $ 15
XML 91 R80.htm IDEA: XBRL DOCUMENT v3.7.0.1
STOCK BASED COMPENSATION PLANS (Details)
$ / shares in Units, $ in Thousands
 12 Months Ended
Oct. 16, 2014
Dec. 31, 2016
USD ($)
ExecutiveOfficer
Director
Officer
SeniorOfficer
$ / shares
shares
Dec. 31, 2015
USD ($)
Director
$ / shares
shares
Dec. 31, 2014
$ / shares
shares
Dec. 31, 2013
Director
$ / shares
shares
Dec. 31, 2011
Director
SeniorVicePresident
$ / shares
shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Ratio of conversion of shares 1.6472          
Stock Options [Member]            
Fair Value Assumptions [Abstract]            
Compensation expense | $   $ 264 $ 85      
Estimated Future Compensation Expense [Abstract]            
Estimated future compensation expense, 2017 | $   328        
Estimated future compensation expense, 2018 | $   323        
Estimated future compensation expense, 2019 | $   316        
Estimated future compensation expense, 2020 | $   314        
Estimated future compensation expense, 2021 | $   176        
Estimated future compensation expense, 2022 | $   113        
Estimated future compensation expense, 2023 | $   $ 38        
Stock Options Outstanding [Roll Forward]            
Outstanding at beginning of period (in shares)   185,000 170,000      
Granted (in shares)   264,000 17,000      
Newly vested (in shares)   0 0      
Exercised (in shares)   (26,000) (2,000)      
Expired (in shares)   0 0      
Outstanding at end of period (in shares)   423,000 185,000 170,000    
Weighted Average Exercise Price [Roll Forward]            
Outstanding at beginning of period (in dollars per share) | $ / shares   $ 5.75 $ 5.75      
Granted (in dollars per share) | $ / shares   11.25 11.09      
Newly vested (in dollars per share) | $ / shares   6.21 5.75      
Exercised (in dollars per share) | $ / shares   0 0      
Expired (in dollars per share) | $ / shares   0 0      
Outstanding at end of period (in dollars per share) | $ / shares   $ 6.21 $ 5.75 $ 5.75    
Options, Additional Disclosures [Abstract]            
Options exercisable at beginning of period (in shares)   128,000 95,000      
Options exercisable, Granted (in shares)   0 0      
Options exercisable, Newly vested (in shares)   37,000 35,000      
Options exercisable, Exercised (in shares)   (26,000) (2,000)      
Options exercisable, Expired (in shares)   0 0      
Options exercisable at end of period (in shares)   139,000 128,000 95,000    
Intrinsic value of options exercised | $   $ 1,700 $ 1,200      
Options exercisable, weighted average exercise price (in dollars per share) | $ / shares   $ 5.80        
Weighted average remaining contractual term - options outstanding   4 years 8 months 12 days        
April 2010 Stock Option Plan [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Ratio of conversion of shares       1.6472    
Number of shares authorized (in shares)           247,080
April 2010 Stock Option Plan [Member] | Stock Options [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Vesting period   5 years 5 years   5 years 5 years
Award annual vesting   20.00% 20.00%   20.00% 20.00%
Term of award   10 years 10 years   10 years 10 years
Fair Value Assumptions [Abstract]            
Risk free interest rate   1.60% 1.90%   2.00% 2.20%
Expected volatility rate   0.32% 0.23%   0.45% 0.45%
Expected life   7 years 7 years   7 years 7 years
Expected dividend yield   1.55% 1.40%   1.00% 1.49%
Weighted average fair value of options granted (in dollars per share) | $ / shares   $ 3.17 $ 2.56   $ 3.69 $ 2.29
April 2010 Stock Option Plan [Member] | Stock Options [Member] | Directors [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Number of stock awards beneficiaries | Director     2   2 9
Stock Options Outstanding [Roll Forward]            
Granted (in shares)     16,472   16,472 74,124
April 2010 Stock Option Plan [Member] | Stock Options [Member] | Chief Executive Officer And Senior Vice President [Member]            
Stock Options Outstanding [Roll Forward]            
Granted (in shares)           123,540
April 2010 Stock Option Plan [Member] | Stock Options [Member] | Officers [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Number of stock awards beneficiaries | Officer   3        
Stock Options Outstanding [Roll Forward]            
Granted (in shares)   47,768        
April 2010 Stock Option Plan [Member] | Stock Options [Member] | Senior Vice President [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Number of stock awards beneficiaries | SeniorVicePresident           4
April 2010 Stock Option Plan [Member] | Stock Options [Member] | Senior Officer [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Number of stock awards beneficiaries | Director   1        
May 2016 Stock Option Plan [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Number of shares authorized (in shares)   263,605        
May 2016 Stock Option Plan [Member] | Stock Options [Member] | Directors [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Number of stock awards beneficiaries | Director   9        
Stock Options Outstanding [Roll Forward]            
Granted (in shares)   79,083        
May 2016 Stock Option Plan [Member] | Stock Options [Member] | Officers [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Number of stock awards beneficiaries | Officer   13        
Stock Options Outstanding [Roll Forward]            
Granted (in shares)   44,812        
May 2016 Stock Option Plan [Member] | Stock Options [Member] | Chief Executive Officer, Executive Officers and Senior Officer [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Vesting period   7 years        
Award annual vesting   14.28%        
Term of award   10 years        
Fair Value Assumptions [Abstract]            
Risk free interest rate   1.70%        
Expected volatility rate   0.32%        
Expected life   7 years        
Expected dividend yield   1.55%        
Weighted average fair value of options granted (in dollars per share) | $ / shares   $ 3.59        
May 2016 Stock Option Plan [Member] | Stock Options [Member] | Executive Officers [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Number of stock awards beneficiaries | ExecutiveOfficer   2        
May 2016 Stock Option Plan [Member] | Stock Options [Member] | Directors and Officers [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Vesting period   5 years        
Award annual vesting   20.00%        
Term of award   10 years        
Fair Value Assumptions [Abstract]            
Risk free interest rate   1.60%        
Expected volatility rate   0.32%        
Expected life   7 years        
Expected dividend yield   1.55%        
Weighted average fair value of options granted (in dollars per share) | $ / shares   $ 3.32        
May 2016 Stock Option Plan [Member] | Stock Options [Member] | Senior Officer [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Number of stock awards beneficiaries | SeniorOfficer   3        
Fair Value Assumptions [Abstract]            
Number of beneficiaries whose award vest upon retirement | SeniorOfficer   1        
May 2016 Stock Option Plan [Member] | Stock Options [Member] | Chief Executive Officer [Member]            
Stock Options Outstanding [Roll Forward]            
Granted (in shares)   92,261        
May 2016 Restricted Stock Awards [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Number of shares authorized (in shares)   105,442        
May 2016 Restricted Stock Awards [Member] | Stock Options [Member] | Chief Executive Officer, Executive Officers and Senior Officer [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Vesting period   7 years        
Award annual vesting   14.28%        
Stock Options Outstanding [Roll Forward]            
Granted (in shares)   46,570        
May 2016 Restricted Stock Awards [Member] | Stock Options [Member] | Executive Officers [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Number of stock awards beneficiaries | ExecutiveOfficer   2        
May 2016 Restricted Stock Awards [Member] | Stock Options [Member] | Senior Officer [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Number of stock awards beneficiaries | SeniorOfficer   3        
Fair Value Assumptions [Abstract]            
Number of beneficiaries whose award vest upon retirement | SeniorOfficer   1        
May 2016 Restricted Stock Awards [Member] | Restricted Stock Awards [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Vesting period   5 years        
Award annual vesting   20.00%        
May 2016 Restricted Stock Awards [Member] | Restricted Stock Awards [Member] | Directors [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Number of stock awards beneficiaries | Director   9        
Stock Options Outstanding [Roll Forward]            
Granted (in shares)   31,635        
May 2016 Restricted Stock Awards [Member] | Restricted Stock Awards [Member] | Officers [Member]            
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]            
Number of stock awards beneficiaries | Officer   2        
Stock Options Outstanding [Roll Forward]            
Granted (in shares)   8,436        
XML 92 R81.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE STOCK OWNERSHIP PLAN (Details) - ESOP [Member] - USD ($)
$ in Thousands
 1 Months Ended 12 Months Ended
Jul. 31, 2011
Dec. 31, 2016
Dec. 31, 2015
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]      
Loan $ 1,100    
Shares purchased (in shares) 125,000 105,442  
Term of loan repayment   10 years  
Basis spread on variable rate   1.00%  
Number of shares from refinanced loan (in shares)   138,982.5  
Number of shares from new loan (in shares)   244,424.5  
Fixed interest rate   3.25%  
Award annual vesting   20.00%  
Compensation expense   $ 333 $ 305
Dividends on unallocated shares   $ 40 $ 36
Unearned ESOP shares (in shares)   189,429  
Fair value of unearned ESOP shares   $ 2,600  
XML 93 R82.htm IDEA: XBRL DOCUMENT v3.7.0.1
INCOME TAXES (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Income Tax Expense [Abstract]    
Current $ 1,360 $ 955
Deferred (249) 116
Income tax expense 1,111 1,071
Income Tax Expense by Jurisdiction [Abstract]    
Federal Income Tax 980 929
State Tax 131 142
Income tax expense 1,111 1,071
Assets [Abstract]    
Deferred compensation 912 858
Allowance for loan losses 2,392 2,185
Postretirement benefits 56 61
Subordinated loan interest 37 0
Investment securities and financial derivative 1,229 0
Impairment losses on investment securities 88 155
Loan origination fees 184 66
Capital loss carryforward 62 120
Held-to-maturity securities 310 417
Other 166 121
Total 5,436 3,983
Liabilities [Abstract]    
Prepaid Pension (1,605) (1,336)
Depreciation (1,083) (1,011)
Accretion (211) (145)
Loan origination fees 0 0
Intangible assets (1,470) (1,470)
Investment securities and financial derivative 0 (21)
Mortgage servicing rights (15) (20)
Prepaid expenses and transaction fees (204) (97)
Total (4,588) (4,100)
Net deferred tax assets 848 (117)
Less: deferred tax asset valuation allowance (150) (265)
Net deferred tax asset 698  
Net deferred tax (liability)   $ (382)
Decrease in valuation allowance $ (115)  
Reconciliation of the Federal Statutory Income Tax Rate to the Effective Income Tax Rate [Abstract]    
Federal statutory income tax rate 34.00% 34.00%
State tax, net of federal benefit 1.90% 2.30%
Tax-exempt interest income (8.60%) (8.10%)
Increase in value of bank owned life insurance less premium paid (2.00%) (3.00%)
Change in valuation allowance (2.60%) (4.80%)
Other 2.50% 6.40%
Effective income tax rate 25.20% 26.80%
XML 94 R83.htm IDEA: XBRL DOCUMENT v3.7.0.1
COMMITMENTS AND CONTINGENCIES (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Loan commitments outstanding with fixed interest rates $ 7,800  
Loan commitments, unused lines of credit and standby letters of credit with variable interest rates $ 89,400  
Term of letters of credit, maximum 1 year  
Renewal options for leases, maximum 30 years  
Rent expense $ 149 $ 135
Future Minimum Rental Commitments for Non-cancelable Operating Leases [Abstract]    
2017 147  
2018 105  
2019 62  
2020 56  
2021 31  
Thereafter 293  
Total minimum lease payments 694  
Commitments to Grant Loans [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual obligation 46,649 20,168
Unfunded Commitments Under Lines Of Credit [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual obligation 48,653 34,469
Unfunded Commitments Related to Construction Loans in Progress [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual obligation 5,918 5,726
Standby Letters of Credit [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual obligation $ 1,900 $ 1,884
XML 95 R84.htm IDEA: XBRL DOCUMENT v3.7.0.1
DIVIDENDS AND RESTRICTIONS (Details) - USD ($)
$ in Millions
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
DIVIDENDS AND RESTRICTIONS [Abstract]      
Retained earnings legally available to pay dividends $ 10.4    
Proceeds from dividends received $ 0.0 $ 0.0 $ 0.0
XML 96 R85.htm IDEA: XBRL DOCUMENT v3.7.0.1
REGULATORY MATTERS (Details) - USD ($)
$ / shares in Units, $ in Thousands
 12 Months Ended
Feb. 16, 2016
Oct. 02, 2011
Dec. 31, 2016
Dec. 31, 2015
Oct. 15, 2015
Dec. 31, 2011
Sep. 01, 2011
Actual Amount [Abstract]              
Total core capital (to risk-weighted assets)     $ 72,098 $ 67,286      
Tier 1 capital (to risk-weighted assets)     66,003 62,038      
Tier 1 common equity (to risk-weighted assets)     66,003 62,038      
Tier 1 capital (to assets)     $ 66,003 $ 62,038      
Actual Ratio [Abstract]              
Total core capital (to risk-weighted assets)     14.79% 16.22%      
Tier 1 capital (to risk-weighted assets)     13.54% 14.95%      
Tier 1 common equity (to risk-weighted assets)     13.54% 14.95%      
Tier 1 capital (to assets)     9.06% 10.00%      
Minimum Capital Adequacy Purposes Amount [Abstract]              
Total core capital (to risk-weighted assets)     $ 38,996 $ 33,187      
Tier 1 capital (to risk-weighted assets)     29,247 24,891      
Tier 1 common equity (to risk-weighted assets)     21,935 18,668      
Tier 1 capital (to assets)     $ 29,154 $ 24,816      
Minimum Capital Adequacy Purposes Ratio [Abstract]              
Total core capital (to risk-weighted assets)     8.00% 8.00%      
Tier 1 capital (to risk-weighted assets)     6.00% 6.00%      
Tier 1 common equity (to risk-weighted assets)     4.50% 4.50%      
Tier 1 capital (to assets)     4.00% 4.00%      
Minimum To Be "Well Capitalized" Under Prompt Corrective Provisions Amount [Abstract]              
Total core capital (to risk-weighted assets)     $ 48,745 $ 41,484      
Tier 1 capital (to risk-weighted assets)     38,996 33,187      
Tier 1 common equity (to risk-weighted assets)     31,684 26,965      
Tier 1 capital (to assets)     $ 36,443 $ 31,020      
Minimum To Be "Well Capitalized" Under Prompt Corrective Provisions Ratio [Abstract]              
Total core capital (to risk-weighted assets)     10.00% 10.00%      
Tier 1 capital (to risk-weighted assets)     8.00% 8.00%      
Tier 1 common equity (to risk-weighted assets)     6.50% 6.50%      
Tier 1 capital (to assets)     5.00% 5.00%      
"Well-Capitalized With Buffer, Fully Phased In For 2019 Amount [Abstract]              
Total core capital (to risk-weighted assets)     $ 51,182        
Tier 1 capital (to risk-weighted assets)     41,433        
Tier 1 common equity (to risk-weighted assets)     34,121        
Tier 1 capital (to assets)     $ 36,443        
"Well-Capitalized With Buffer, Fully Phased In For 2019 Ratio [Abstract]              
Total core capital (to risk-weighted assets)     10.50%        
Tier 1 capital (to risk-weighted assets)     8.50%        
Tier 1 common equity (to risk-weighted assets)     7.00%        
Tier 1 capital (to assets)     5.00%        
Class of Stock [Line Items]              
Preferred stock     $ 0 $ 13,000      
Redeemed shares (in shares)     13,000        
Subordinated loan face value     $ 5,000        
Preferred stock dividends     49 130      
Average balance of cash on hand or with the Federal Reserve Bank     13,200 $ 3,900      
Subordinated Note [Member]              
Class of Stock [Line Items]              
Subordinated loan face value     $ 10,000   $ 10,000    
Annual increase in interest expense $ 644            
Preferred Stock SBLF [Member]              
Class of Stock [Line Items]              
Preferred stock, shares issued (in shares)     0 13,000      
Preferred stock dividend rate   4.20%   1.00%      
Preferred dividends payable amount     $ 1,200        
Preferred stock dividends     $ 16 $ 130      
Preferred Stock SBLF [Member] | After Four-and-one Half Years [Member]              
Class of Stock [Line Items]              
Preferred stock dividend rate     9.00%        
Preferred Stock CPP [Member]              
Class of Stock [Line Items]              
Preferred stock, shares issued (in shares)             13,000
Preferred stock liquidation preference (in dollars per share)           $ 1,000  
Preferred stock             $ 13,000
Series B Preferred Stock [Member]              
Class of Stock [Line Items]              
Redeemed shares (in shares) (13,000)            
Payment for redeemed shares $ (13,000)            
XML 97 R86.htm IDEA: XBRL DOCUMENT v3.7.0.1
INTEREST RATE DERIVATIVE (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
INTEREST RATE DERIVATIVE [Abstract]    
Floating rate trust preferred debenture face amount $ 5,000  
Variable rate basis 3-month LIBOR  
Interest Rate Swap [Member]    
Derivative [Line Items]    
Notional amount $ 2,000  
Remaining term 7 years  
Fixed interest rate 4.96%  
Accumulated Other Comprehensive Income Derivatives, Pretax [Roll Forward]    
Balance as of beginning of period $ (27) $ (82)
Amount of gains/losses recognized in other comprehensive income 2 (6)
Amount of loss reclassified from other comprehensive income and recognized as interest expense 25 61
Balance as of end of period 0 (27)
Interest Rate Swap [Member] | Designated as Hedging Instrument [Member] | Other Liabilities [Member]    
Cash flow hedge [Abstract]    
Fair value of derivative liability $ 0 $ 27
XML 98 R87.htm IDEA: XBRL DOCUMENT v3.7.0.1
FAIR VALUE MEASUREMENTS AND DISCLOSURES (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Jun. 30, 2016
Sep. 30, 2015
Dec. 31, 2016
Dec. 31, 2015
Common Stock - Financial Services Industry [Member]        
Fair Value, Assets and Liabilities Measured on Recurring Basis [Roll Forward]        
Balance at beginning of period     $ 313  
Total gains realized/unrealized included in earnings     0  
Total gains realized/unrealized included in other comprehensive income     13  
Settlements     130  
Sales     0  
Balance at end of period     456  
Changes in unrealized gains included in earnings related to assets still held     0  
Level 3 [Member]        
Assets, Fair Value Disclosure [Abstract]        
Purchase of common stock $ 130 $ 313    
Recurring [Member] | Total Fair Value [Member]        
Debt investment securities [Abstract]        
US Treasury agencies and GSEs     24,184 $ 21,308
State and political subdivisions     16,481 8,300
Corporate     15,195 18,128
Asset backed securities     6,664  
Residential mortgage-backed - US agency     30,566 32,573
Collateralized mortgage obligations - US agency     40,986 16,833
Collateralized mortgage obligations - Private label     6,577 0
Mutual funds [Abstract]        
Ultra short mortgage fund     626 638
Large cap equity fund     0 583
Common stock - Financial services industry     676 579
Total available-for-sale securities     141,955 98,942
Interest rate swap derivative     0 (27)
Recurring [Member] | Level 1 [Member]        
Debt investment securities [Abstract]        
US Treasury agencies and GSEs     0 0
State and political subdivisions     0 0
Corporate     0 0
Asset backed securities     0  
Residential mortgage-backed - US agency     0 0
Collateralized mortgage obligations - US agency     0 0
Collateralized mortgage obligations - Private label     0 0
Mutual funds [Abstract]        
Ultra short mortgage fund     626 638
Large cap equity fund     0 583
Common stock - Financial services industry     0 46
Total available-for-sale securities     626 1,267
Interest rate swap derivative     0 0
Recurring [Member] | Level 2 [Member]        
Debt investment securities [Abstract]        
US Treasury agencies and GSEs     24,184 21,308
State and political subdivisions     16,481 8,300
Corporate     15,195 18,128
Asset backed securities     6,664  
Residential mortgage-backed - US agency     30,566 32,573
Collateralized mortgage obligations - US agency     40,986 16,833
Collateralized mortgage obligations - Private label     6,577 0
Mutual funds [Abstract]        
Ultra short mortgage fund     0 0
Large cap equity fund     0 0
Common stock - Financial services industry     220 220
Total available-for-sale securities     140,873 97,362
Interest rate swap derivative     0 (27)
Recurring [Member] | Level 3 [Member]        
Debt investment securities [Abstract]        
US Treasury agencies and GSEs     0 0
State and political subdivisions     0 0
Corporate     0 0
Asset backed securities     0  
Residential mortgage-backed - US agency     0 0
Collateralized mortgage obligations - US agency     0 0
Collateralized mortgage obligations - Private label     0 0
Mutual funds [Abstract]        
Ultra short mortgage fund     0 0
Large cap equity fund     0 0
Common stock - Financial services industry     456 313
Total available-for-sale securities     456 313
Interest rate swap derivative     0 0
Nonrecurring [Member] | Total Fair Value [Member]        
Nonrecurring basis [Abstract]        
Impaired loans     4,049 1,070
Foreclosed real estate     393 360
Nonrecurring [Member] | Level 1 [Member]        
Nonrecurring basis [Abstract]        
Impaired loans     0 0
Foreclosed real estate     0 0
Nonrecurring [Member] | Level 2 [Member]        
Nonrecurring basis [Abstract]        
Impaired loans     0 0
Foreclosed real estate     0 0
Nonrecurring [Member] | Level 3 [Member]        
Nonrecurring basis [Abstract]        
Impaired loans     4,049 1,070
Foreclosed real estate     $ 393 $ 360
XML 99 R88.htm IDEA: XBRL DOCUMENT v3.7.0.1
FAIR VALUE MEASUREMENTS AND DISCLOSURES, FAIR VALUE INPUTS, QUANTITATIVE INFORMATION (Details) - Level 3 [Member] - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Appraisal Collateral - Appraisal Approach [Member] | Minimum [Member] | Impaired loans [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value Inputs, Discount Rate 5.00% 5.00%
Appraisal Collateral - Appraisal Approach [Member] | Minimum [Member] | Foreclosed real estate [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value Inputs, Discount Rate 15.00% 15.00%
Appraisal Collateral - Appraisal Approach [Member] | Maximum [Member] | Impaired loans [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value Inputs, Discount Rate 10.00% 10.00%
Appraisal Collateral - Appraisal Approach [Member] | Maximum [Member] | Foreclosed real estate [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value Inputs, Discount Rate 15.00% 15.00%
Appraisal Collateral - Appraisal Approach [Member] | Weighted Average [Member] | Impaired loans [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value Inputs, Discount Rate 5.00% 8.00%
Appraisal Collateral - Appraisal Approach [Member] | Weighted Average [Member] | Foreclosed real estate [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value Inputs, Discount Rate 15.00% 15.00%
Appraisal Collateral - Cost to Sell approach [Member] | Minimum [Member] | Impaired loans [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value Inputs, Discount Rate 8.00% 8.00%
Appraisal Collateral - Cost to Sell approach [Member] | Minimum [Member] | Foreclosed real estate [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value Inputs, Discount Rate 6.00% 6.00%
Appraisal Collateral - Cost to Sell approach [Member] | Maximum [Member] | Impaired loans [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value Inputs, Discount Rate 13.00% 15.00%
Appraisal Collateral - Cost to Sell approach [Member] | Maximum [Member] | Foreclosed real estate [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value Inputs, Discount Rate 8.00% 8.00%
Appraisal Collateral - Cost to Sell approach [Member] | Weighted Average [Member] | Impaired loans [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value Inputs, Discount Rate 10.00% 14.00%
Appraisal Collateral - Cost to Sell approach [Member] | Weighted Average [Member] | Foreclosed real estate [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value Inputs, Discount Rate 7.00% 7.00%
Comparable Companies [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Common Stock - Financial Services Industry $ 456 $ 313
Weight ascribed to comparable companies 100.00% 100.00%
XML 100 R89.htm IDEA: XBRL DOCUMENT v3.7.0.1
FAIR VALUE MEASUREMENTS AND DISCLOSURES, FAIR VALUE MEASUREMENTS BY BALANCE SHEET GROUPING (Details) - USD ($)
$ in Thousands
Dec. 31, 2016
Dec. 31, 2015
Financial assets [Abstract]    
Available-for-sale securities, at fair value $ 141,955 $ 98,942
Investment securities - held-to-maturity 54,429 45,515
Carrying Amounts [Member] | Level 1 [Member]    
Financial assets [Abstract]    
Cash and cash equivalents 22,419 15,245
Available-for-sale securities, at fair value 626 1,267
Accrued interest receivable 2,532 2,053
Financial liabilities [Abstract]    
Demand Deposits, Savings, NOW and MMDA 421,627 343,853
Accrued interest payable 75 199
Carrying Amounts [Member] | Level 2 [Member]    
Financial assets [Abstract]    
Available-for-sale securities, at fair value 140,873 97,362
Investment securities - held-to-maturity 54,645 44,297
Federal Home Loan Bank stock 3,250 2,424
Financial liabilities [Abstract]    
Time Deposits 189,356 146,462
Borrowings 58,947 41,300
Subordinated loans 15,025 14,991
Interest rate swap derivative 0 27
Carrying Amounts [Member] | Level 3 [Member]    
Financial assets [Abstract]    
Available-for-sale securities, at fair value 456 313
Net loans 485,900 424,732
Estimated Fair Values [Member] | Level 1 [Member]    
Financial assets [Abstract]    
Cash and cash equivalents 22,419 15,245
Available-for-sale securities, at fair value 626 1,267
Accrued interest receivable 2,532 2,053
Financial liabilities [Abstract]    
Demand Deposits, Savings, NOW and MMDA 421,627 343,853
Accrued interest payable 75 199
Estimated Fair Values [Member] | Level 2 [Member]    
Financial assets [Abstract]    
Available-for-sale securities, at fair value 140,873 97,362
Investment securities - held-to-maturity 54,429 45,515
Federal Home Loan Bank stock 3,250 2,424
Financial liabilities [Abstract]    
Time Deposits 189,197 146,158
Borrowings 58,918 41,282
Subordinated loans 14,310 14,027
Interest rate swap derivative 0 27
Estimated Fair Values [Member] | Level 3 [Member]    
Financial assets [Abstract]    
Available-for-sale securities, at fair value 456 313
Net loans $ 484,704 $ 428,410
XML 101 R90.htm IDEA: XBRL DOCUMENT v3.7.0.1
PARENT COMPANY - FINANCIAL INFORMATION (Details) - USD ($)
$ in Thousands
 12 Months Ended
Oct. 16, 2014
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2016
Dec. 31, 2015
Assets [Abstract]          
Cash       $ 6,968 $ 9,624
Investments       141,955 98,942
Other assets       6,367 4,845
Total assets       749,034 623,254
Liabilities and Shareholders' Equity [Abstract]          
Shareholders' equity       57,929 70,805
Total liabilities and shareholders' equity       749,034 623,254
Income [Abstract]          
Total interest income   $ 24,093 $ 21,424    
Expenses [Abstract]          
Interest   3,804 2,657    
Operating, net   2,482 2,317    
Loss before taxes and equity in undistributed net income of subsidiaries   4,409 4,003    
Tax benefit   (1,111) (1,071)    
Net income attributable to Pathfinder Bancorp Inc.   3,272 2,889    
Operating Activities [Abstract]          
Net Income   3,272 2,889    
Realized gains on available-for-sale investment securities   (456) (422)    
Stock based compensation and ESOP expense   557 354    
Amortization of deferred financing from subordinated loan   34 0    
Net change in other assets and liabilities   (574) (600)    
Net cash flows from operating activities   6,371 6,311    
Investing Activities [Abstract]          
Net gain on hedging transaction   (85) 0    
Net cash flows from investing activities   (121,457) (61,485)    
Financing activities [Abstract]          
Redemption of preferred stock - SBLF   (13,000) 0    
Proceeds from exercise of stock options   143 9    
Proceeds from subordinated loan   0 9,836    
Cash dividends paid to preferred shareholder   (49) (130)    
Cash dividends paid to common shareholders   (866) (609)    
Net cash flows from financing activities   122,260 59,063    
Change in cash and cash equivalents   7,174 3,889    
Cash and cash equivalents at beginning of period   15,245 11,356    
Cash and cash equivalents at end of period   15,245 11,356 22,419 15,245
Parent Company [Member]          
Assets [Abstract]          
Cash       5,424 21,418
Investments       455 358
Investments in bank subsidiary       67,281 64,519
Investment in non-bank subsidiary       155 155
Other assets       475 185
Total assets       73,790 86,635
Liabilities and Shareholders' Equity [Abstract]          
Accrued liabilities       404 415
Subordinated loans       15,025 14,991
Shareholders' equity       58,361 71,229
Total liabilities and shareholders' equity       73,790 86,635
Income [Abstract]          
Dividends from non-bank subsidiary   4 4    
Realized gains on available-for sale investment securities   108 0    
Total interest income   112 4    
Expenses [Abstract]          
Interest   880 300    
Operating, net   230 248    
Total expenses   1,110 548    
Loss before taxes and equity in undistributed net income of subsidiaries   (998) (544)    
Tax benefit   254 162    
Loss before equity in undistributed net income of subsidiaries   (744) (382)    
Equity in undistributed net income of subsidiaries   4,016 3,271    
Net income attributable to Pathfinder Bancorp Inc.   3,272 2,889    
Operating Activities [Abstract]          
Net Income   3,272 2,889    
Equity in undistributed net income of subsidiaries   (4,016) (3,271)    
Realized gains on available-for-sale investment securities   (23) 0    
Stock based compensation and ESOP expense   557 354    
Amortization of deferred financing from subordinated loan   34 0    
Net change in other assets and liabilities   (152) 95    
Net cash flows from operating activities   (328) 67    
Investing Activities [Abstract]          
Purchase of investments   (130) (312)    
Net gain on hedging transaction   (85) 0    
Proceeds from sale of investment   43 0    
Net cash flows from investing activities   (172) (312)    
Financing activities [Abstract]          
Redemption of preferred stock - SBLF   (13,000) 0    
Proceeds from exercise of stock options   143 9    
Proceeds from subordinated loan   0 9,836    
Purchase of common stock $ 24,900 (1,755) 0    
Cash dividends paid to preferred shareholder   (16) (130)    
Cash dividends paid to common shareholders   (866) (609)    
Net cash flows from financing activities   (15,494) 9,106    
Change in cash and cash equivalents   (15,994) 8,861    
Cash and cash equivalents at beginning of period   21,418 12,557    
Cash and cash equivalents at end of period   $ 21,418 $ 12,557 $ 5,424 $ 21,418
XML 102 R91.htm IDEA: XBRL DOCUMENT v3.7.0.1
RELATED PARTY TRANSACTIONS (Details) - Directors, Executive Officers and Affiliates [Member] - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Loans to Related Parties [Roll Forward]    
Balance at the beginning of the year $ 10,324  
Originations and Officer additions 2,122  
Principal payments (1,562)  
Balance at the end of the year 10,884  
Deposits of related parties $ 3,400 $ 2,000
XML 103 R92.htm IDEA: XBRL DOCUMENT v3.7.0.1
CONVERSION AND REORGANIZATION (Details)
 12 Months Ended
Oct. 16, 2014
USD ($)
$ / shares
shares
Dec. 31, 2016
USD ($)
$ / shares
shares
Dec. 31, 2015
USD ($)
shares
Dec. 31, 2014
shares
Conversion of Stock [Line Items]        
Ratio of conversion of shares 1.6472      
Cash in lieu of fractional shares (in dollars per share) | $ / shares $ 10.00      
Common stock, share outstanding (in shares) | shares   4,236,744 4,353,850 4,353,850
New Pathfinder [Member]        
Conversion of Stock [Line Items]        
Percentage owned by holding company 60.40%      
Number of shares of common stock sold (in shares) | shares 2,636,053 2,636,053    
Common stock sold per share (in dollar per share) | $ / shares $ 10.00 $ 10.00    
Gross offering proceeds of common stock $ 26,400,000      
Net offering proceeds of common stock $ 24,900,000 $ (1,755,000) $ 0  
Ratio of conversion of shares 1.6472      
Cost related to offering $ 1,500,000      
Cash received from acquisition $ 197,000      
XML 104 R93.htm IDEA: XBRL DOCUMENT v3.7.0.1
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]    
Beginning balance $ 70,805  
Other comprehensive income before reclassifications (1,045) $ (341)
Amounts reclassified from AOCI (212) (105)
Ending balance 57,929 70,805
Accumulated Other Comprehensive Loss [Member]    
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]    
Beginning balance (2,565) (2,119)
Ending balance (3,822) (2,565)
Retirement Plans [Member]    
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]    
Beginning balance (1,844) (1,794)
Other comprehensive income before reclassifications 198 (161)
Amounts reclassified from AOCI 133 111
Ending balance (1,513) (1,844)
Unrealized Gains (Losses) on Financial Derivative [Member]    
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]    
Beginning balance (16) (49)
Other comprehensive income before reclassifications 1 (4)
Amounts reclassified from AOCI 15 37
Ending balance 0 (16)
Unrealized Gains and Losses on Available-for-Sale-Securities [Member]    
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]    
Beginning balance (51) 457
Other comprehensive income before reclassifications (1,436) (255)
Amounts reclassified from AOCI (358) (253)
Ending balance (1,845) (51)
Unrealized Loss on Securities Transferred to Held-to-Maturity [Member]    
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]    
Beginning balance (654) (733)
Other comprehensive income before reclassifications 190 79
Amounts reclassified from AOCI 0 0
Ending balance $ (464) $ (654)
XML 105 R94.htm IDEA: XBRL DOCUMENT v3.7.0.1
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS), Reclassification out of AOCI (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2016
Dec. 31, 2016
Dec. 31, 2015
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Interest on long term borrowings   $ (270) $ (257)
Salaries and employee benefits   (10,772) (9,687)
Net gains on sales and redemptions of investment securities $ 85 594 422
Provision for income taxes   (1,111) (1,071)
Net income attributable to Pathfinder Bancorp Inc.   3,272 2,889
Unrealized Gains and Losses on Financial Derivative [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]      
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Interest on long term borrowings [1]   (25) (61)
Provision for income taxes [1]   10 24
Net income attributable to Pathfinder Bancorp Inc. [1]   (15) (37)
Retirement Plans [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]      
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Salaries and employee benefits [1],[2]   (222) (185)
Provision for income taxes [1]   89 74
Net income attributable to Pathfinder Bancorp Inc. [1]   (133) (111)
Unrealized Gains and Losses on Available-for-Sale-Securities [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]      
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Net gains on sales and redemptions of investment securities [1]   594 422
Provision for income taxes [1]   (236) (169)
Net income attributable to Pathfinder Bancorp Inc. [1]   $ 358 $ 253
[1] Amounts in parentheses indicates debits in net income.
[2] These items are included in net periodic pension cost.
EXCEL 106 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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Ð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how.js IDEA: XBRL DOCUMENT /** * Rivet Software Inc. * * @copyright Copyright (c) 2006-2011 Rivet Software, Inc. All rights reserved. * Version 2.4.0.3 * */ var Show = {}; Show.LastAR = null, Show.hideAR = function(){ Show.LastAR.style.display = 'none'; }; Show.showAR = function ( link, id, win ){ if( Show.LastAR ){ Show.hideAR(); } var ref = link; do { ref = ref.nextSibling; } while (ref && ref.nodeName != 'TABLE'); if (!ref || ref.nodeName != 'TABLE') { var tmp = win ? win.document.getElementById(id) : document.getElementById(id); if( tmp ){ ref = tmp.cloneNode(true); ref.id = ''; link.parentNode.appendChild(ref); } } if( ref ){ ref.style.display = 'block'; Show.LastAR = ref; } }; Show.toggleNext = function( link ){ var ref = link; do{ ref = ref.nextSibling; }while( ref.nodeName != 'DIV' ); if( ref.style && ref.style.display && ref.style.display == 'none' ){ ref.style.display = 'block'; if( link.textContent ){ link.textContent = link.textContent.replace( '+', '-' ); }else{ link.innerText = link.innerText.replace( '+', '-' ); } }else{ ref.style.display = 'none'; if( link.textContent ){ link.textContent = link.textContent.replace( '-', '+' ); }else{ link.innerText = link.innerText.replace( '-', '+' ); } } }; XML 108 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 110 FilingSummary.xml IDEA: XBRL DOCUMENT 3.7.0.1 html 748 781 1 true 150 0 false 19 false false R1.htm 000100 - Document - Document and Entity Information Sheet http://pathfinderbank.com/role/DocumentAndEntityInformation Document and Entity Information Cover 1 false false R2.htm 010000 - Statement - Consolidated Statements of Condition Sheet http://pathfinderbank.com/role/ConsolidatedStatementsOfCondition Consolidated Statements of Condition Statements 2 false false R3.htm 010100 - Statement - Consolidated Statements of Condition (Parenthetical) Sheet http://pathfinderbank.com/role/ConsolidatedStatementsOfConditionParenthetical Consolidated Statements of Condition (Parenthetical) Statements 3 false false R4.htm 020000 - Statement - Consolidated Statements of Income Sheet http://pathfinderbank.com/role/ConsolidatedStatementsOfIncome Consolidated Statements of Income Statements 4 false false R5.htm 030000 - Statement - Consolidated Statements of Comprehensive Income Sheet http://pathfinderbank.com/role/ConsolidatedStatementsOfComprehensiveIncome Consolidated Statements of Comprehensive Income Statements 5 false false R6.htm 040000 - Statement - Consolidated Statements of Changes in Shareholder's Equity Sheet http://pathfinderbank.com/role/ConsolidatedStatementsOfChangesInShareholderSEquity Consolidated Statements of Changes in Shareholder's Equity Statements 6 false false R7.htm 040100 - Statement - Consolidated Statements of Changes in Shareholder's Equity (Parenthetical) Sheet http://pathfinderbank.com/role/ConsolidatedStatementsOfChangesInShareholderSEquityParenthetical Consolidated Statements of Changes in Shareholder's Equity (Parenthetical) Statements 7 false false R8.htm 050000 - Statement - Consolidated Statements of Cash Flows Sheet http://pathfinderbank.com/role/ConsolidatedStatementsOfCashFlows Consolidated Statements of Cash Flows Statements 8 false false R9.htm 060100 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Sheet http://pathfinderbank.com/role/SummaryOfSignificantAccountingPolicies SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Notes 9 false false R10.htm 060200 - Disclosure - NEW ACCOUNTING PRONOUNCEMENTS Sheet http://pathfinderbank.com/role/NewAccountingPronouncements NEW ACCOUNTING PRONOUNCEMENTS Notes 10 false false R11.htm 060300 - Disclosure - EARNINGS PER SHARE Sheet http://pathfinderbank.com/role/EarningsPerShare EARNINGS PER SHARE Notes 11 false false R12.htm 060400 - Disclosure - INVESTMENT SECURITIES Sheet http://pathfinderbank.com/role/InvestmentSecurities INVESTMENT SECURITIES Notes 12 false false R13.htm 060500 - Disclosure - LOANS Sheet http://pathfinderbank.com/role/Loans LOANS Notes 13 false false R14.htm 060600 - Disclosure - ALLOWANCE FOR LOAN LOSSES Sheet http://pathfinderbank.com/role/AllowanceForLoanLosses ALLOWANCE FOR LOAN LOSSES Notes 14 false false R15.htm 060700 - Disclosure - SERVICING Sheet http://pathfinderbank.com/role/Servicing SERVICING Notes 15 false false R16.htm 060800 - Disclosure - PREMISES AND EQUIPMENT Sheet http://pathfinderbank.com/role/PremisesAndEquipment PREMISES AND EQUIPMENT Notes 16 false false R17.htm 060900 - Disclosure - FORECLOSED REAL ESTATE Sheet http://pathfinderbank.com/role/ForeclosedRealEstate FORECLOSED REAL ESTATE Notes 17 false false R18.htm 061000 - Disclosure - GOODWILL AND INTANGIBLE ASSETS Sheet http://pathfinderbank.com/role/GoodwillAndIntangibleAssets GOODWILL AND INTANGIBLE ASSETS Notes 18 false false R19.htm 061100 - Disclosure - DEPOSITS Sheet http://pathfinderbank.com/role/Deposits DEPOSITS Notes 19 false false R20.htm 061200 - Disclosure - BORROWED FUNDS Sheet http://pathfinderbank.com/role/BorrowedFunds BORROWED FUNDS Notes 20 false false R21.htm 061300 - Disclosure - SUBORDINATED LOANS Sheet http://pathfinderbank.com/role/SubordinatedLoans SUBORDINATED LOANS Notes 21 false false R22.htm 061400 - Disclosure - EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS Sheet http://pathfinderbank.com/role/EmployeeBenefitsAndDeferredCompensationAndSupplementalRetirementPlans EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS Notes 22 false false R23.htm 061500 - Disclosure - STOCK BASED COMPENSATION PLANS Sheet http://pathfinderbank.com/role/StockBasedCompensationPlans STOCK BASED COMPENSATION PLANS Notes 23 false false R24.htm 061600 - Disclosure - EMPLOYEE STOCK OWNERSHIP PLAN Sheet http://pathfinderbank.com/role/EmployeeStockOwnershipPlan EMPLOYEE STOCK OWNERSHIP PLAN Notes 24 false false R25.htm 061700 - Disclosure - INCOME TAXES Sheet http://pathfinderbank.com/role/IncomeTaxes INCOME TAXES Notes 25 false false R26.htm 061800 - Disclosure - COMMITMENTS AND CONTINGENCIES Sheet http://pathfinderbank.com/role/CommitmentsAndContingencies COMMITMENTS AND CONTINGENCIES Notes 26 false false R27.htm 061900 - Disclosure - DIVIDENDS AND RESTRICTIONS Sheet http://pathfinderbank.com/role/DividendsAndRestrictions DIVIDENDS AND RESTRICTIONS Notes 27 false false R28.htm 062000 - Disclosure - REGULATORY MATTERS Sheet http://pathfinderbank.com/role/RegulatoryMatters REGULATORY MATTERS Notes 28 false false R29.htm 062100 - Disclosure - INTEREST RATE DERIVATIVE Sheet http://pathfinderbank.com/role/InterestRateDerivative INTEREST RATE DERIVATIVE Notes 29 false false R30.htm 062200 - Disclosure - FAIR VALUE MEASUREMENTS AND DISCLOSURES Sheet http://pathfinderbank.com/role/FairValueMeasurementsAndDisclosures FAIR VALUE MEASUREMENTS AND DISCLOSURES Notes 30 false false R31.htm 062300 - Disclosure - PARENT COMPANY - FINANCIAL INFORMATION Sheet http://pathfinderbank.com/role/ParentCompanyFinancialInformation PARENT COMPANY - FINANCIAL INFORMATION Notes 31 false false R32.htm 062400 - Disclosure - RELATED PARTY TRANSACTIONS Sheet http://pathfinderbank.com/role/RelatedPartyTransactions RELATED PARTY TRANSACTIONS Notes 32 false false R33.htm 062500 - Disclosure - CONVERSION AND REORGANIZATION Sheet http://pathfinderbank.com/role/ConversionAndReorganization CONVERSION AND REORGANIZATION Notes 33 false false R34.htm 062600 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) Sheet http://pathfinderbank.com/role/AccumulatedOtherComprehensiveIncomeLoss ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) Notes 34 false false R35.htm 070100 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies) Sheet http://pathfinderbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies) Policies 35 false false R36.htm 080100 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables) Sheet http://pathfinderbank.com/role/SummaryOfSignificantAccountingPoliciesTables SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables) Tables http://pathfinderbank.com/role/SummaryOfSignificantAccountingPolicies 36 false false R37.htm 080300 - Disclosure - EARNINGS PER SHARE (Tables) Sheet http://pathfinderbank.com/role/EarningsPerShareTables EARNINGS PER SHARE (Tables) Tables http://pathfinderbank.com/role/EarningsPerShare 37 false false R38.htm 080400 - Disclosure - INVESTMENT SECURITIES (Tables) Sheet http://pathfinderbank.com/role/InvestmentSecuritiesTables INVESTMENT SECURITIES (Tables) Tables http://pathfinderbank.com/role/InvestmentSecurities 38 false false R39.htm 080500 - Disclosure - LOANS (Tables) Sheet http://pathfinderbank.com/role/LoansTables LOANS (Tables) Tables http://pathfinderbank.com/role/Loans 39 false false R40.htm 080600 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Tables) Sheet http://pathfinderbank.com/role/AllowanceForLoanLossesTables ALLOWANCE FOR LOAN LOSSES (Tables) Tables http://pathfinderbank.com/role/AllowanceForLoanLosses 40 false false R41.htm 080700 - Disclosure - SERVICING (Tables) Sheet http://pathfinderbank.com/role/ServicingTables SERVICING (Tables) Tables http://pathfinderbank.com/role/Servicing 41 false false R42.htm 080800 - Disclosure - PREMISES AND EQUIPMENT (Tables) Sheet http://pathfinderbank.com/role/PremisesAndEquipmentTables PREMISES AND EQUIPMENT (Tables) Tables http://pathfinderbank.com/role/PremisesAndEquipment 42 false false R43.htm 080900 - Disclosure - FORECLOSED REAL ESTATE (Tables) Sheet http://pathfinderbank.com/role/ForeclosedRealEstateTables FORECLOSED REAL ESTATE (Tables) Tables http://pathfinderbank.com/role/ForeclosedRealEstate 43 false false R44.htm 081000 - Disclosure - GOODWILL AND INTANGIBLE ASSETS (Tables) Sheet http://pathfinderbank.com/role/GoodwillAndIntangibleAssetsTables GOODWILL AND INTANGIBLE ASSETS (Tables) Tables http://pathfinderbank.com/role/GoodwillAndIntangibleAssets 44 false false R45.htm 081100 - Disclosure - DEPOSITS (Tables) Sheet http://pathfinderbank.com/role/DepositsTables DEPOSITS (Tables) Tables http://pathfinderbank.com/role/Deposits 45 false false R46.htm 081200 - Disclosure - BORROWED FUNDS (Tables) Sheet http://pathfinderbank.com/role/BorrowedFundsTables BORROWED FUNDS (Tables) Tables http://pathfinderbank.com/role/BorrowedFunds 46 false false R47.htm 081300 - Disclosure - SUBORDINATED LOANS (Tables) Sheet http://pathfinderbank.com/role/SubordinatedLoansTables SUBORDINATED LOANS (Tables) Tables http://pathfinderbank.com/role/SubordinatedLoans 47 false false R48.htm 081400 - Disclosure - EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS (Tables) Sheet http://pathfinderbank.com/role/EmployeeBenefitsAndDeferredCompensationAndSupplementalRetirementPlansTables EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS (Tables) Tables http://pathfinderbank.com/role/EmployeeBenefitsAndDeferredCompensationAndSupplementalRetirementPlans 48 false false R49.htm 081500 - Disclosure - STOCK BASED COMPENSATION PLANS (Tables) Sheet http://pathfinderbank.com/role/StockBasedCompensationPlansTables STOCK BASED COMPENSATION PLANS (Tables) Tables http://pathfinderbank.com/role/StockBasedCompensationPlans 49 false false R50.htm 081700 - Disclosure - INCOME TAXES (Tables) Sheet http://pathfinderbank.com/role/IncomeTaxesTables INCOME TAXES (Tables) Tables http://pathfinderbank.com/role/IncomeTaxes 50 false false R51.htm 081800 - Disclosure - COMMITMENTS AND CONTINGENCIES (Tables) Sheet http://pathfinderbank.com/role/CommitmentsAndContingenciesTables COMMITMENTS AND CONTINGENCIES (Tables) Tables http://pathfinderbank.com/role/CommitmentsAndContingencies 51 false false R52.htm 082000 - Disclosure - REGULATORY MATTERS (Tables) Sheet http://pathfinderbank.com/role/RegulatoryMattersTables REGULATORY MATTERS (Tables) Tables http://pathfinderbank.com/role/RegulatoryMatters 52 false false R53.htm 082100 - Disclosure - INTEREST RATE DERIVATIVE (Tables) Sheet http://pathfinderbank.com/role/InterestRateDerivativeTables INTEREST RATE DERIVATIVE (Tables) Tables http://pathfinderbank.com/role/InterestRateDerivative 53 false false R54.htm 082200 - Disclosure - FAIR VALUE MEASUREMENTS AND DISCLOSURES (Tables) Sheet http://pathfinderbank.com/role/FairValueMeasurementsAndDisclosuresTables FAIR VALUE MEASUREMENTS AND DISCLOSURES (Tables) Tables http://pathfinderbank.com/role/FairValueMeasurementsAndDisclosures 54 false false R55.htm 082300 - Disclosure - PARENT COMPANY - FINANCIAL INFORMATION (Tables) Sheet http://pathfinderbank.com/role/ParentCompanyFinancialInformationTables PARENT COMPANY - FINANCIAL INFORMATION (Tables) Tables http://pathfinderbank.com/role/ParentCompanyFinancialInformation 55 false false R56.htm 082400 - Disclosure - RELATED PARTY TRANSACTIONS (Tables) Sheet http://pathfinderbank.com/role/RelatedPartyTransactionsTables RELATED PARTY TRANSACTIONS (Tables) Tables http://pathfinderbank.com/role/RelatedPartyTransactions 56 false false R57.htm 082600 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables) Sheet http://pathfinderbank.com/role/AccumulatedOtherComprehensiveIncomeLossTables ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables) Tables http://pathfinderbank.com/role/AccumulatedOtherComprehensiveIncomeLoss 57 false false R58.htm 090100 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) Sheet http://pathfinderbank.com/role/SummaryOfSignificantAccountingPoliciesDetails SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) Details http://pathfinderbank.com/role/SummaryOfSignificantAccountingPoliciesTables 58 false false R59.htm 090300 - Disclosure - EARNINGS PER SHARE (Details) Sheet http://pathfinderbank.com/role/EarningsPerShareDetails EARNINGS PER SHARE (Details) Details http://pathfinderbank.com/role/EarningsPerShareTables 59 false false R60.htm 090400 - Disclosure - INVESTMENT SECURITIES (Details) Sheet http://pathfinderbank.com/role/InvestmentSecuritiesDetails INVESTMENT SECURITIES (Details) Details http://pathfinderbank.com/role/InvestmentSecuritiesTables 60 false false R61.htm 090500 - Disclosure - LOANS (Details) Sheet http://pathfinderbank.com/role/LoansDetails LOANS (Details) Details http://pathfinderbank.com/role/LoansTables 61 false false R62.htm 090502 - Disclosure - LOANS, CREDIT QUALITY INDICATOR (Details) Sheet http://pathfinderbank.com/role/LoansCreditQualityIndicatorDetails LOANS, CREDIT QUALITY INDICATOR (Details) Details 62 false false R63.htm 090504 - Disclosure - LOANS, NON-ACCRUAL AND PAST DUE LOANS (Details) Sheet http://pathfinderbank.com/role/LoansNonaccrualAndPastDueLoansDetails LOANS, NON-ACCRUAL AND PAST DUE LOANS (Details) Details 63 false false R64.htm 090506 - Disclosure - LOANS, IMPAIRED LOANS (Details) Sheet http://pathfinderbank.com/role/LoansImpairedLoansDetails LOANS, IMPAIRED LOANS (Details) Details 64 false false R65.htm 090600 - Disclosure - LOANS, CHANGE IN ALLOWANCE FOR LOAN LOSSES (Details) Sheet http://pathfinderbank.com/role/LoansChangeInAllowanceForLoanLossesDetails LOANS, CHANGE IN ALLOWANCE FOR LOAN LOSSES (Details) Details 65 false false R66.htm 090602 - Disclosure - LOANS, ALLOWANCE FOR LOAN LOSSES, BASIS OF CALCULATION METHODOLOGY (Details) Sheet http://pathfinderbank.com/role/LoansAllowanceForLoanLossesBasisOfCalculationMethodologyDetails LOANS, ALLOWANCE FOR LOAN LOSSES, BASIS OF CALCULATION METHODOLOGY (Details) Details 66 false false R67.htm 090700 - Disclosure - SERVICING (Details) Sheet http://pathfinderbank.com/role/ServicingDetails SERVICING (Details) Details http://pathfinderbank.com/role/ServicingTables 67 false false R68.htm 090800 - Disclosure - PREMISES AND EQUIPMENT (Details) Sheet http://pathfinderbank.com/role/PremisesAndEquipmentDetails PREMISES AND EQUIPMENT (Details) Details http://pathfinderbank.com/role/PremisesAndEquipmentTables 68 false false R69.htm 090900 - Disclosure - FORECLOSED REAL ESTATE (Details) Sheet http://pathfinderbank.com/role/ForeclosedRealEstateDetails FORECLOSED REAL ESTATE (Details) Details http://pathfinderbank.com/role/ForeclosedRealEstateTables 69 false false R70.htm 091000 - Disclosure - GOODWILL AND INTANGIBLE ASSETS (Details) Sheet http://pathfinderbank.com/role/GoodwillAndIntangibleAssetsDetails GOODWILL AND INTANGIBLE ASSETS (Details) Details http://pathfinderbank.com/role/GoodwillAndIntangibleAssetsTables 70 false false R71.htm 091100 - Disclosure - DEPOSITS (Details) Sheet http://pathfinderbank.com/role/DepositsDetails DEPOSITS (Details) Details http://pathfinderbank.com/role/DepositsTables 71 false false R72.htm 091200 - Disclosure - BORROWED FUNDS (Details) Sheet http://pathfinderbank.com/role/BorrowedFundsDetails BORROWED FUNDS (Details) Details http://pathfinderbank.com/role/BorrowedFundsTables 72 false false R73.htm 091202 - Disclosure - BORROWED FUNDS, LINES OF CREDIT (Details) Sheet http://pathfinderbank.com/role/BorrowedFundsLinesOfCreditDetails BORROWED FUNDS, LINES OF CREDIT (Details) Details 73 false false R74.htm 091300 - Disclosure - SUBORDINATED LOANS (Details) Sheet http://pathfinderbank.com/role/SubordinatedLoansDetails SUBORDINATED LOANS (Details) Details http://pathfinderbank.com/role/SubordinatedLoansTables 74 false false R75.htm 091400 - Disclosure - EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Changes in the Plans' Benefit Obligations, Fair Value of Plan Assets and the Plans' Funded Status (Details) Sheet http://pathfinderbank.com/role/EmployeeBenefitsAndDeferredCompensationAndSupplementalRetirementPlansChangesInPlansBenefitObligationsFairValueOfPlanAssetsAndPlansFundedStatusDetails EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Changes in the Plans' Benefit Obligations, Fair Value of Plan Assets and the Plans' Funded Status (Details) Details 75 false false R76.htm 091402 - Disclosure - EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Benefit Obligation and Net Periodic Cost Assumptions, and Net Periodic Benefit Plan Cost (Details) Sheet http://pathfinderbank.com/role/EmployeeBenefitsAndDeferredCompensationAndSupplementalRetirementPlansBenefitObligationAndNetPeriodicCostAssumptionsAndNetPeriodicBenefitPlanCostDetails EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Benefit Obligation and Net Periodic Cost Assumptions, and Net Periodic Benefit Plan Cost (Details) Details 76 false false R77.htm 091404 - Disclosure - EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Pension Plan Assets Fair Value (Details) Sheet http://pathfinderbank.com/role/EmployeeBenefitsAndDeferredCompensationAndSupplementalRetirementPlansPensionPlanAssetsFairValueDetails EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Pension Plan Assets Fair Value (Details) Details 77 false false R78.htm 091406 - Disclosure - EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Expected Benefit Payments (Details) Sheet http://pathfinderbank.com/role/EmployeeBenefitsAndDeferredCompensationAndSupplementalRetirementPlansExpectedBenefitPaymentsDetails EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Expected Benefit Payments (Details) Details 78 false false R79.htm 091408 - Disclosure - EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Other Plans (Details) Sheet http://pathfinderbank.com/role/EmployeeBenefitsAndDeferredCompensationAndSupplementalRetirementPlansOtherPlansDetails EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Other Plans (Details) Details http://pathfinderbank.com/role/EmployeeBenefitsAndDeferredCompensationAndSupplementalRetirementPlansTables 79 false false R80.htm 091500 - Disclosure - STOCK BASED COMPENSATION PLANS (Details) Sheet http://pathfinderbank.com/role/StockBasedCompensationPlansDetails STOCK BASED COMPENSATION PLANS (Details) Details http://pathfinderbank.com/role/StockBasedCompensationPlansTables 80 false false R81.htm 091600 - Disclosure - EMPLOYEE STOCK OWNERSHIP PLAN (Details) Sheet http://pathfinderbank.com/role/EmployeeStockOwnershipPlanDetails EMPLOYEE STOCK OWNERSHIP PLAN (Details) Details http://pathfinderbank.com/role/EmployeeStockOwnershipPlan 81 false false R82.htm 091700 - Disclosure - INCOME TAXES (Details) Sheet http://pathfinderbank.com/role/IncomeTaxesDetails INCOME TAXES (Details) Details http://pathfinderbank.com/role/IncomeTaxesTables 82 false false R83.htm 091800 - Disclosure - COMMITMENTS AND CONTINGENCIES (Details) Sheet http://pathfinderbank.com/role/CommitmentsAndContingenciesDetails COMMITMENTS AND CONTINGENCIES (Details) Details http://pathfinderbank.com/role/CommitmentsAndContingenciesTables 83 false false R84.htm 091900 - Disclosure - DIVIDENDS AND RESTRICTIONS (Details) Sheet http://pathfinderbank.com/role/DividendsAndRestrictionsDetails DIVIDENDS AND RESTRICTIONS (Details) Details http://pathfinderbank.com/role/DividendsAndRestrictions 84 false false R85.htm 092000 - Disclosure - REGULATORY MATTERS (Details) Sheet http://pathfinderbank.com/role/RegulatoryMattersDetails REGULATORY MATTERS (Details) Details http://pathfinderbank.com/role/RegulatoryMattersTables 85 false false R86.htm 092100 - Disclosure - INTEREST RATE DERIVATIVE (Details) Sheet http://pathfinderbank.com/role/InterestRateDerivativeDetails INTEREST RATE DERIVATIVE (Details) Details http://pathfinderbank.com/role/InterestRateDerivativeTables 86 false false R87.htm 092200 - Disclosure - FAIR VALUE MEASUREMENTS AND DISCLOSURES (Details) Sheet http://pathfinderbank.com/role/FairValueMeasurementsAndDisclosuresDetails FAIR VALUE MEASUREMENTS AND DISCLOSURES (Details) Details http://pathfinderbank.com/role/FairValueMeasurementsAndDisclosuresTables 87 false false R88.htm 092202 - Disclosure - FAIR VALUE MEASUREMENTS AND DISCLOSURES, FAIR VALUE INPUTS, QUANTITATIVE INFORMATION (Details) Sheet http://pathfinderbank.com/role/FairValueMeasurementsAndDisclosuresFairValueInputsQuantitativeInformationDetails FAIR VALUE MEASUREMENTS AND DISCLOSURES, FAIR VALUE INPUTS, QUANTITATIVE INFORMATION (Details) Details 88 false false R89.htm 092204 - Disclosure - FAIR VALUE MEASUREMENTS AND DISCLOSURES, FAIR VALUE MEASUREMENTS BY BALANCE SHEET GROUPING (Details) Sheet http://pathfinderbank.com/role/FairValueMeasurementsAndDisclosuresFairValueMeasurementsByBalanceSheetGroupingDetails FAIR VALUE MEASUREMENTS AND DISCLOSURES, FAIR VALUE MEASUREMENTS BY BALANCE SHEET GROUPING (Details) Details 89 false false R90.htm 092300 - Disclosure - PARENT COMPANY - FINANCIAL INFORMATION (Details) Sheet http://pathfinderbank.com/role/ParentCompanyFinancialInformationDetails PARENT COMPANY - FINANCIAL INFORMATION (Details) Details http://pathfinderbank.com/role/ParentCompanyFinancialInformationTables 90 false false R91.htm 092400 - Disclosure - RELATED PARTY TRANSACTIONS (Details) Sheet http://pathfinderbank.com/role/RelatedPartyTransactionsDetails RELATED PARTY TRANSACTIONS (Details) Details http://pathfinderbank.com/role/RelatedPartyTransactionsTables 91 false false R92.htm 092500 - Disclosure - CONVERSION AND REORGANIZATION (Details) Sheet http://pathfinderbank.com/role/ConversionAndReorganizationDetails CONVERSION AND REORGANIZATION (Details) Details http://pathfinderbank.com/role/ConversionAndReorganization 92 false false R93.htm 092600 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Details) Sheet http://pathfinderbank.com/role/AccumulatedOtherComprehensiveIncomeLossDetails ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Details) Details http://pathfinderbank.com/role/AccumulatedOtherComprehensiveIncomeLossTables 93 false false R94.htm 092602 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS), Reclassification out of AOCI (Details) Sheet http://pathfinderbank.com/role/AccumulatedOtherComprehensiveIncomeLossReclassificationOutOfAociDetails ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS), Reclassification out of AOCI (Details) Details http://pathfinderbank.com/role/AccumulatedOtherComprehensiveIncomeLossTables 94 false false All Reports Book All Reports pbhc-20161231.xml pbhc-20161231.xsd pbhc-20161231_cal.xml pbhc-20161231_def.xml pbhc-20161231_lab.xml pbhc-20161231_pre.xml true true ZIP 112 0001609065-17-000013-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001609065-17-000013-xbrl.zip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
WG9_OA%LO^[Y8V.:,D*R0+J M$O32AH-+VEA1EXW2WX=8;>P3]3SBSW2;^,_4>J)D#FN;>95DKK&U/,!2'OA* M/O.%B'0CEWW)Y.C^LF $2?12)+[0Y;,5ACRD[%2GY-#"<%']Q1Z12"KFLL^P MKQ25/548WNHMVTZZYZ/TA^C04'(RH4A>P9)@6!ANJHO\EZUW4F8#=-2.A@U) M2+(]10H[Y)?DBK3)R\N#$LEBN7) N]UA4;=1SYO)&I)F72 2Q5TB$8N9TR^6 M#&$F;,R$6,S5,P7T[ R^.J9_GK?GKH*[",IP5$MCO;Z,5E!EF&YW4-0EH ;: M#O6\E-I8MYWPFSP]==A#IX-0>^WJ6R2JMZ$ MHI+@R$L<%WZSI]1MD=A"^/-87-^*&JSUU@U6&ELGWQ:"M-5"7!()^ZR& ,H+ M'8I&\^G!P^9BMX[L745LJR"G(SX:J#Y")I;MBXF1C8KR.N,C@+KS]PDA'K6P M) -\Z*P?/U=Q02+U-=KD4BJ]G1=$":J*%(&G.RNUH5*4M[(@#)5\2!7),0B.J(7I(''Q6K&* MI>+DBC,36[4*KC:.-\K+9%!Y\3Q,6$"2U2V27?!!KX(L7F5XO+X@ M/A1F]646@YSR/)<)Z6+8$%*MC!/N$.LGJ!YLZ, MXBHYU&O'X\?8,"CTH%F% MIBKD6#GH'B]6A@V+0G.B4-H;)V1 *9UZV8]%![FKP./I(>VDSHS8L%65J5A> M DAW*/FG;*,D1Q>EX?&,!&S8RAE[P"+XF(RGM@*>>19%>\?4*"!UMT%4"*N;W7]2&O>PEH=L9+Q4YJ61 M6LH^5$X1-&%1I,A"XS2NTU53=%8[ B\'_BQ3X?C-EI=00)?D%%D%A44N"TX" M0 :K-/<3,]A/68'U9O)%Q;$9#L:[V&V(-B[I((:*I0LXI^U1SDVAA],#,,B0 MG#H^L\?8;HA*%I=Q@ K7J1,2=C&M-D=+-^!4)3XK>@^O-X0"Q"="H$+^27D2 MN]CO-P/Y=3+2A46O&HO=9ACII:>,-M;34GM17T)*W!Y3;]@,[!><.H(*U9DR M2_;8GM6:@>EZB66!"7^-%C;A);W?ZYZ9KVIXU, Y?ZEP15&'::_@I%W(,<"% NOT M!*9")-X.@992;D9D!O.).Q**JL]+'_B.3);VV /*GX-$(_>^8WPG'TU;MPUF MGMQ3]\DT0#K>V..EY[OIC9*B<)CMK!#LZ2/;4K COJ'5?J+M1+O)FTF+&*T< M!N2;Y;LZN9\!^Z]= L%/N)DQADB^![Z%: ?\ZV9S)3KTG="7<,4*/?X^ MZ2X@[$I?1..RK^O#>7SYL/K@.?95@P4F&HX;A4D.-]!-10&=GI;V8G[&]137-> WW;3Q=0U@JT+5 MG:U;3!/1C7T)1&)5?8B.XZVL?@%*0FT';-BJ$S>=4'Y+Z1S7$MC0(:ZM6I&( MR%-;,,$NP8<0!*TFB\5=J:6.L>&S6GDGO"E*=S"J%7N5V,FK6+ON]))UBD20 M>-;)A:!Z67!5-R4O$FW%%)<>%=-GK2P$EM0*M$CY=W(ER'IA!N=1MJQF"#5" M%&X96$6!_03O'S8$UL#S5T%'/*533.?DIGLORNM!TBO9>H_C(E4EXT^KNT&* M"G*0W0M"U>DGNCBCJ,'BFM?Y)V&'%6"[M'+C69%;I_+C^-!:?6A MSK"HWBCX2$!\ Q6Q+'V*A[.?-NY?/W2B%=1U:RZ,#[5(&DI4++$K;3"!D2C$ M=9,3*[ASG:&:R^7U.5>5E@^C-?=;WT M1.,:06\]B6&!JCD/A@?-Q7#=A?0IBKF3NCQ3_?!9/V=G%9DO#1;9)3/V6]'D_F2Z.IP5H*1F.11=8*"B&WQ\F6+9GA(!*LDE5)>&ZO7@$ M%'\3I6A8YW'%J)J:4)Y"/(0+RJ\M6H:<(+%'@^X@4Z9F10*CJ)NCI4N-$XXH M_?Y0K1@E@N]S%$WXIT==N^I JUIA5B&ORW.=JTJW&B^0*\@* M409*0G:0>"04>YVZ# )/:3Z/CD=WQ4-6".2J%:+Q/7,@F"NW?*P?5UD>ZLV= MH+"PF#F0OHS@^J\"@%[8;8@$L);&P*EOKA0.2G%YR<)AFS;WI=?/TINL4.@* M9_P23-5.4CUI@?#+DT==J,C,>792TZ:Z"X"@Z.RH@N%<4%0HH31JG7F^!!^Y MHAUWR H$'PZ#JHH34E\;'H],-%E,5!*[[(PRM2TM'>(%)+25"_93@C^]0=K\ M)1&RIKAD_X*/:+D"$)W*[(TR05IF#%X95G9$$V@$EYDII2047VSB(;>\J&XO M(3Q3"'3C72^^P#[)0]!E/LK?S-_SXN^F/S.CWNDY&UUH_=27'M(L(BVDPLSD M_918=/NO]<3;%(6DIV#JXEG;JR@2W()Z'64 /H(>1X.TIFZS,8&@#5A")7;! MF"CXYD3!I)^[R6-:QT4C8%MJ7\%AZH"/2 E21&/8,L3%B0UA>\.T=IQX()=K MGU33EE05K153&<[YFN8=L5Z+Z!C8'V3Q)J192%K8!76%[^)5A3WRBMU#HM[/ M+<(F)U]=QZ!TG %"=(K($XY$.$$I<=A3SCL]^MU 8#%2ZQU 5CQ=*>D=OP? M@=I[W?Y.G&<;X&:9$P8@;^G">7?'J<<>O&7/?8+';J*G3K,R%*VWN?3]@PM; M9!HUI73Z2B_+(J]UUS;M:1#*9C3(2/ QW\IO;,.9[UE_-H7;45+L(YBJBMUD ML[:Z6\TP4NT&CF:FKUO;RPR_/HF(!VIGZ]9).-JIDZ9!97^@;@6Q#TP*.AB. M,"X@BHF^Z,O+,7RK&R_$=\B=Z7TG?Z?F=,8*,/!HQ(Z=&+X7C05R)?PF&NC! M8<-$HP2#I(&F%M^8"K+_=6>XLZ=LTV*&P![4E@&!;'LL!)<:VXFB#48[>ZEJ MQ4FP#U;<5]735GR4RC)3TTE"H=M5MGH;),Y3]C92"?;A:+17MIVR#2"D1PID M9%G1;ICID["1!^<]9:_$WC@)(9JB;240)$]4P592^3:&@ZT68L5OY419O&?F M0@2"P@5"E@UG$Q0H@) DQPL'@C?CEJ3!/K!!GN" PN(DND\H?.],R(*ZIK.' MKKW9I3UF_URO7[OTKW37?0$#]?24 575E-$6::>8J[(]I3JT]-0==L6\)RW5 M:;';V]8+@O:4T@^0 W]%N)L :ML'CSK"0RO*#:+V>MOF3QWA491;J*>IV\9' M9G!<&I$YZ#KSX*^@8EPF$(2#?(0Q8D/L(038/#__\T\Y0= !BACMH8?]B]FE M OXA!J=TR&4W >!4!MMZ;[$\ER0?Q[O_M?Q?QN83\?P7B_YZ,8'GVQ-];EHO M;\E?'LPY]<@7^DSNG+EN_^47PG_W0,^^)4IGX?]R\;]3_Y=]8\2>(<<';1'^ M38MX0-R3\.EGKK_?DD?'&O]"V!;:H-ZG]EORKZ7GFY.78.:#T&)+>@-KBBTO M^OCHDC?1YZU'"MI!\G)W6-RT#6LYIL$/0)LS>*I%]+FS9+^.@4TY!S#'5^ * M,P&O+O7\]B/576 >H+P%JZ;HD5?/I@]CN.;4M,'>FP>AT17?8" /RPIXX7W?&>GV$_]47^O&HH/+&)M M:>R@47^_#,RTMFS2/GG-(G5_51L3K;2.[VM;^K3(5ZZHR8UML/1_2EY]H,&G MGU/*"5DU[D,M=-HH F:"N] MT:@R2BD#9L5'C8?#OB(48NMK#N2#Z1F6XRU=VEY_VP)@+I;LR4_TB5I$64/N M#DP#E[ER@M<_\PM)].CUJ/VK7UU+6*_@@(I9/?G^9?7Q=Y.ZNFO,7O@".9Q7 MOP5KYS\HP9+B0\16S+/4@HM!X;$AVMTE-Y;V+#'E5:%T'HL]XPO&WC48D'-V M$0L,N-@P#<%BM+O;R>K)6J$P#6^E0G-AJ.O7DP'3ND'/A %+PV*!#%@8"N^7 M+NC?,8U #8!G615DE5;1OE\N%A;?"1QQK^<+RWF!D^T=]E%T8 MK@=A7!0?8CW"V3C[OMP^7!-E^)9=\_2MI>MQ]GU<>D#AK,.-0^;L:?94.+P])39/0X;GF)/0 M@,4Y<^IZKPDLS:,'EK%R2\:H&4:'7;* !!Q>QJ;/R=OSX;^/+\2BO@^CLFF" M7U__KSY?_/(_0(N_@,@Q9AM#F?:38SV![H4QGW1N3 +3EW*0$H#?HZ-M=H^ M_6&P?7*/)@V]I,2EAC.U>0P[A!#P@^=8YIBW]O%8L1PNMMAXCCWF?G>^?Z+S^;',#_3O6!M0 *, $QC:>DN M,2P]V,T^) 0K#$?XBP>S+ +! 8L)5V&Q9/=PSZ#Z@S78CKV@[H01":,?P W[ MV>$7!%?$%Z.0C4EY^LW1G<,.7+H B0P_ W3#X0\!DL8W%*.(.%LL/1K T=-9 M^,0.++8O#TR=B!!]B*'7N+7V*TO./FQB$8+GWR@1I< M&Y&NTB),6'..8D9'*T"08UG.,]OZ 5E!@1H9^HRXMM17L+?MZ[-7]\\G DA$ [^/LM41<_DN

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�E, W$UV&A%!#?$, C$T-# )"(]2(H?8#= M.VI*2!J0K\-"*4!^6 .M5Z7_M\_0][)3,Y=1RH,'4U2-:L"G#:HNU[(\9E"U M6>M*$]L,GG6\< MP_Y9Z&'N[!./TQMV&4L-RMW4C\+#YJXO'J.?LOZ0"F>M&[ ]?LV2U)_<+,R/ MJ5C,8E=#[&,QCT4BPC1AJ?R#VOZU3F(F2>3ZFL1?_'2:VR@LC>07.Q94?AHI_I4A=LG"A&II*#*+)8PZ)!27LKM5SVML@N(/C*62;)4BD M%99;2ZI:Z>-DXKM262LMJ_^U6A& L!2!SW8CD.*6:EDR0CH[&T<_$G:W*X_ MYX'](H"&; MN3.3Y9=FLA-U;>9?#XJY+MYQ^XKWX?YWVK%$^ MD$1Y>&,XX[AFTW!!S?[!SV'M;E=SI1,AXH5WH8 6A>R5",7$W^5;4+MJ#6=] MT%E'21J+U(^%N2X*;1*!JC[59*X*;31QUNSFT)QO.!>'&]=N;?8'.+ MJ3P#H=_QDTBUU_GBY(K[8;&V!Y6T JT@=*,+!!QK.#++UT0R0,!VZ[#=LYP^ ML UL-Q';)[;A=C-:9PD[!_QR)+^Z)]??PQ!HZ7NYIY>KE-IT<4ZY>IPB0B7)UT_<'#>LP7*>DN77@ M)?#2,;QTUC\%+X&7P$O'F]%GY9K1QW-2S=Q1L"?8\YC<8K?<6R=KQI]/:IP\ MJC-Q8S_E6QZK\4H)^R1B=C'EL;#8*Y[XKIZ[\L8/,M7E=TCWY/*)\H'Z>?II MYZ&W>%:#NR7O#J[+FQ43D:J6QSB=ZM9TB6-7=4ZJ[C5)_?&*TMZ"TF)Y'G-Y M'HFBW_/[($*C9*&/>WJ?7(E=2T&A+JW2ZY/M?2*%*H M=B;4J$?28N*K*^;IK:QG'D\Y6B>/808T7[7H>%O9?%5:>BKW ^YX"-+1F$G3 M51OV18HI@Y#=^>AR32:0IJ3>1 )WB&V;CJC:%?U\/!&_YGZ@O;4T4F-T%'=I M4V :!5+XX&[FND7JB(7A>I8S,&L$$4DN =NMP[9CG0[,YH HC_&NZ4W2_Q0* M.,*3FD_$_$K<47H)B[(T2:5S+'=FW U&K67C:RW[EMVMP0V$*-0'Z L%O>'K M+6I_V?0^UVY6YB@Z*V691V#NY 37U:51#8GR#SJ&=_W*/[K/3^M6GH5"1[ 2 M358:-J5FN)P(KR$[D(KA3,0L/L[H+3'I0(T\0$O3T=*X1%9>6K0H42PE(4S& M7")B4AYGD]#A'V1_@);Z&Y4H&ZC:AJA^AD'%J56SFZ-7-@ S'=AN:ME .YT* M8A4","$+-"%KF,@G3W? D 0,#:?6X2(=HSORN<:JM98G2393#;5?1>SZB6YV M3E+5%F&.E)PUJ M/&@(XL;!C.>NF\W4J$"I3%^)4$S\E'TV5BS>NO?!]F+_NXT2]3+_KXT2]*7]1N\8Z)FJN MX_I8QRD/KX0^%/7K7)(E^9:-%\<6W5+18A-U5-?+HU*?5*%J=51J#.3:MR>9 MFO8G-\?33/Y1G_/:=+>7]]D+8R&/=@AVOJ,A0P(_J4&QTB!?!"8DPI)KB"-"!-K>?^$KC<=5M%T:N',ICQ5(KF*S]4X6(5 MXKL1/"[4]Z-2/='DH3+$RBG.K)Y-J\,)S1+ =E'8'AJ>+ 9L ]L570],K"\5 MR :R"YHG0&R:0 5=<]O\$@)=>\ (1- Z'9AC3R5 <( MJPN+TS [MH-7376Q+ M#J!-&MJ#$:V$): -:+7W>AR_;Y7J [" M(,%6#A(\<9QRKQT^?HX@<6,.C-121NH[8"0P$ACI6$:R>^ C\!'X"'S44#^R MQ!348UW4(O2,]$\7(V\,!7:*ES:W#;BL&?9 MCMEA_.0)#QQ6CT.T)P""@&#KPZ"/-AL'+!9I%HT MC!4$1UH(PY-3PB L?+<5=PD#V26>-2T;",(5$*P#!%L3SC;7N O7F+)K;+R_ MMCZ=^X!VTZ!MN.,5T :T*X*VX=XY(!O(!K(Q2*@Z?^3M;!Y$-R)FKGQ^[(\S MW19:J"! WSG15HDZ1R&*[SJGUAM$ D< / /P%-<* ' UVZP"! /Q /Q%3L] M)29A=C<08/8-VL.+K04?]C 4 :AO%^K-=^( ]4 ],=37P-T'X %X +XDWZ=/ M*^&3^S[RY<)C%RE/LX1U'G00^'_N!G]Z8'3#5$V#@2UHO&_ M%'HV!VZ?0*RE;_5LLY?=[,0KH0 C> F\]/3]]ZS^J-S!=> E\%(S>>FD[+&G MQ[-2X32 W0C^),R?=5-UI?+GFOO[(N7R!%>_+3[_]Q=9TKGB?/[RPIT*+PO$ MQ\FYZV:S+."I\!8=3!]O+Y%X'[[]ZHHD^3A1N;9?5*KMX^13P,-SG6>[5"^Y ME/1Y%43N;]__\0^,_?U/G<[RX2K_]I/T2I>W4[R.DC1A_];?8NIK3'_O/YU. M_M6'BY/?7GQ9?_?N^W1AH_SELYA\]\QUNE(HV%T[C=1/MM.SGWV_B?Q;J;TX MC;7C,>S,_YHEJ3^YR5]S.15R/[-YE/B*\HITJ?RG4))O+K\:>;[+Q@LZZDRG M*PDB7Q[KCZDL9Z)2GL)C;X0K9F,1LY[-_(3Q1'XJ"*(O#X?EKOTXCMF+^VC1 M/*7/RA5!L."-[YYUG^G?DSEWE[\70YLE6W6[W]R2_H@X3AG!T9WOD%)!4DJ^ M9'BP--H91C2,3U=(]HKSMWP28:)@N6QR-"J&GQ#HQ5D7>-92LL0B]6,QD_]: MTR,O*!1/>LG\5"[(W;;[D_>A%/]1EO#02\Q?*;<_ SBU8X#,U.J,'Q@GMQO.#>8BT18OGG"Q%?^Z[0;FBAA@>5Z""ML$^Q MH3]B<;T:3C4"KH%KX!JX!JZ!:^ :N,9TQ2*=B_T?AAL9JS][=>Y<%/AX8H?.D& :@I@ MSP9F^Z9H!1MPN4J;H(U[@P#M1D*[AF%%0! 01&3;@"E_/HOD.O_+5ST>,0^7 M'1^KMAM$O%OC9--B3,1Y $% $! $! %!0) Z!)L9[+YO(:L.Z"!*$I&\.+GB M?EAPGQO\5LI^J^.8[>4A3W6 L'H0VJ,N0 @05IP?H76I'[(C '8Q9TTXZXZ"N5K/+F!)%5?UXV@J\G#A?(N!I)C('GA0@$3^ %X )[(40'P MK03\B5F[KWC$$W=RP$9@([!1.8X:Q?M@?MHZ*/9D\=M?B^^FQ7AONKWU-1SO M[0SK=BM,S8P"\"?X\Y@4A&.V)1#\"?X$?]8DAH1KH,!'S>0CPXWOY3'2D^Z# M>?3*E=45+S_$49*PUSR.;^1>V/E,KBYE//38VGTR[$[V4-U5\MX38>I/?'VK MR/LPY>&5KW[4U\ELOP;FG1_ZJ?C@7POO]DN;KJ!IW)4P5YK.[I+._);./ PS M'JA_N4OB=.HGS%^GLW]+Y_R66!X+7 M#9!AWO:\*6;MKR#(J-*E.Y<;]($]" M?=U'T..&@48?;RMO&"@80@;1LO/111<-@C1/)$VQ+4JG0QJYMA\V&>6%:EH,K>^-J3TF3W- L'H(#FAIB#+'+SS6!4;%X;F3 MQUEK //#U>WSQH.+9"S'XHN922R4@*%X8CBN6D@UGF/JK\P:P_3KK\SNWSXS>_M-(058)77# M@I/ 271S"N5QTI-*&?M7K2[8,:7K28%Q8J@R,6\U@DFG8J4."NR#M9D=Q^ZSU7!HORSJGS,JQSSL$/"A/RLQ]8*T=I6 MSUA=#=H7H42<6DBPM6AEC7OD\2FF\ L?<=_N8B74HC7Z>%M69./$]WP>%WLQ0"/,PL9>ZC$\M9R1 MV6&.Y D/'!+ 8=\:V&?UPV$+/0FE,,(H[)!2&C#MRJS[@W\!$ *$:$4[4(=\ M3*JHXF+S!3.YAI-+2&O7+5=RE]7K7, ME.U=0_MA<5VV+Q^GFIHNICP64_D%$2??LK>_9T7?I$W%B"=BHA]G@)=8,TN- M/$!+T]'2FN33N>O&F?!8<"N+D6ZJF;U&S!CK=VD592.'!607A&S#G:AP)XY1 M91>9Z$6])&'/:ML[,:5GU66#Y!P NZ M&WD2Q4>>BLDIEQON/B*G3&*A! S&P8#Z5J#^U+87FHK["8HC*?ZGXQ17 O49.4K2YQF3F=F$S]+C.O2ZE%2?6,8"8P4_-++0[U M>N^.U%UN[>X7,2VU]&FI[T,WFA5[$UN[9VEB5&JCCQ>C4@L45_I1&)6*B9"U MGPA9I4(O7H6WY_1!FO;4->AWO/&O?4](3<(F<32C-PV"8C*9N(]/S(&G59R' M(@G@NK6X;D?1A7['9R'_2=V7?,7],&%1R/@U]P,51>NHRXP2'@CFWTY"2H2; MQ<67HR,CW8$6FMX%,4?B M?9B*6"0I4D6MZ3L M= L7!0BJ^7)5=(ZIL(1#[H5S^$+I@O?;J$]>X V;6@/^K3JQ*N#=IN\ M/_Y5JL!03'R*04\2QB6LX ,B0(.FE!D!\G58* '(V\.FE)*VTO&#NP>;>+M- M? J;&-!N)K1[([-ZJS[0;I&[][9:;0<3N94FTF.,ES'&G/L?]-4^F[%T0?3'O:^^4;(T9]HU9[HT^7LQR+U!DZ4=AECM& M5M=^9'652GW50QN*U9Z0':)9VWV8A&X8L>HIHLT>WOQ\=-R!!:,U-88J8/!*2F.+9WJ &'U(.P9;IFG M/!^1OD=S/HODTO^;JXIHPCPQ$7$L=)2/,IA('/QWZ M6WXQF;N8F)L]J,&4FCJEG\!(K62D,[.5YYAP;U+[]NYJ7]5W,U%]-[D+%ZT* M>+F1 EX, J J,@SGNWI.W4:#MT+WDL G&&E_$ W-1NMK-TZC,B=W[YZ8][K4 MPUQ/#!F#FX@Y?9RQ7+,+:H$6H 49JP>!Q4]9[$YYLEYGA^JZ]B0"3FS#]TXV MV;$ M$E#NV<3;N0K%=IU]R .2I.I8G)52SX5WI7R)=*8AXF*T4455UG /"PS MA34R&WIO[7:QXD@NPEODC7134S19\[<0[$:P^^B9Z6:; MI# P'8@GAGBS:K!VV9U:U34^7EGAK]) I"LK2-0XH1CKD%AGR2//4=4(1FHD M(YF.K-:J>/-R[8./=JJO-D*:F8L83,=*/,\'II.#1Y50M : M@@3##H9=Q8H"$"QS-H,UZA&>IP__8MF9)#T*-YK-HC!W+.!0M,:6.[&MTP&M M.F[T)P'<332!X*BLZQY]R;9\KR__(-V5.?<]ED;KV98IC\4T"CP18T1!>VS& M$]S !&0W%-G$&L%K7[Y5TVZE+:IOZ8&9TGOHXB!:2FK8PQL-S6I43+L#([6" MD89=LYFOFC,2VJSNMUE-3!=OHSN$J"0R[4D,K/Z9V4M.:MX@ EZJPT()\-*9 M97=K8!\C<;FN;%^O[FG1*E?=SZ)_$+]GOMPL)BRV*LVCU.&98758'S,"Q[!C8<<>*R8_O[ MBRSI7'$^?WGA3H67!>+CY'6D=&0BO,4,*!Y2,P^KB[8_"!X M(H_DW_JY3#V8Z2?_I]/)'_YP>?GS%X_/G[Y\^+LH7CTZ?_+=]3)7PD'^\EE, MOGOF.EU),;MKIY'ZR79Z]K/O-^%I*WP6\%K#FV$[YMDMO<,H[+CR*$6@R7Q[OVF0DY_+\^+JHX'*(;^\#_ZU M'\W$?0YHI](/E"X(%N+][UGVF?T_FW%W^7@Q%EGS1[7YS2_ C#-ARR=1EDB_8^DT. Z8/"TY.-H5+FCFILA77M' M> ')E@8E6^R^V6 2Y53+#LXK,:NRY+P=YC^Z8QK4'6-W:74A5U!P0TCG[2AT MALYKD,X;$K[#L6TJS]G1(0B5UR"5-R#?L*+&"QFN0QNNAGFY3/1T5 M-7@Y%;'@DU2@, XE0LC M<@)U#*AC.,*[+KE/DU@1PQ%5 ANK&GX.I6D0R!/QV(K:YX/*V"X M?91ZTL=P[3D-+E>0QA5[' MRL_J 3B9%.FW+V93?BW86(A0M?9Q37<_S*+LP5K8/$I\=?F!Q?RDD)J)7+*L MRB7J6CYAMJ)^_VQVKW^P)-MI61IF$U<"5\3Y6]:J0BRF^-RH#'^"\5]>2085 M1-G=6B/J@Y!22XJ^D%U^$8$46DUNN$2>H*XV5SQM"0NYSZ)3]EVH2()N5&F\T'[PV>SE/>!@(VFX 0!F2. M E@& 2$,( R 91"0; O)$_;90AGT?A6!K[40:L19W*:BBH.B&[!LB+ M56V945C6/NU>ZT/^H(L3<<"-/>!?5+4ISK>QYPLIW8)#AI1N^ %#2C?[?"&E M6W#(D-(-/^ :2FFR49P#!HR^B8) 39WU,6BT>:%5D :D 6E &I &I %I0)JG MD8:VF?M%*!]"O2;P#K%\SZ^YKZ^[Z$RBN'/!@QW.!] !Q@%I0!J0!J0!:4 : MD*;9I"EVH+3=K7Q^95Z4>L$N8\&3++Y14])$Z/J+\6D_7+S]MMAYE51&4Y*? M-7U:R?S'Q\^:XJCIED*P\*,O=O0I,5R?C'9<55$EL@O?;:&I.K!+^]C%<2Q[ M6,-K!UH*[L::(QU L"80A'P%KH%KX!JXK@>N&VLR(()1%PA"M"*"@0@&V 41 MC-(33&7?D7B1\E3HA-(\"GR]8I9D8S66)O&CL.(,4UNO$=["F(:O$39[OR%Y MH@.#U6/PY+1W2A>%33.F .T2S]KN6]T!87!#Q+8#A[0B@8 @( @( H* ("#8 M,@C"WP8&J\8@_&U NZ'0KJN_WT0FF (" (" *"@" @V#((PM\& M!JO&(/QM0+NAT*ZKO]W,QH7S)!&I7HCPY"?WNU(&";X&)?A0/@$(5ET^@>H) M(+N1R.Y;_0$M0QX"MH4PI!55 P0!04 0$ 0$ <&601#.-B (9QO.-I -9[O< MQ$+9G0IO?\_\]$:/1(K2J8B9'UZ+))V),,5]&RW*]I'B1]12M!"")S8M@P>E M%$!V,6<]=# ,&"!$Q2X@2(8<@" @" @"@H @7&U L&T0A*L-9#<3V;5TM9O9 MLO!9)+XGPM3G 9M%<7K%KT1GT<'083]?Y!=\WR#QUYK$GX.R"F"PZK**86]$ M%X5-LWT [3+%ZYDUZI_1!3=$;#MP2"O&!@@"@H @( @( H(M@R#\;6"P:@S" MWP:T&PKMNOK;S6QD>!T% 4]%+/_P7^&M,@XL&LM/\E3=[DPG[8"<8(DY08>6 M D+%10LQ>&);7@K,:< M>YX?7G7RWU\R9_Z57&?%?JF.3[%_+3_% CX60:$,O)%&5'*5XRCV1+Q:VY^[ M^C]JC2R) M\CD\T\;*$$\IUF9[;M!%6%1P7 MQ+P)W:W;I@G;OJ!D5K)2$-K M<&HV^0GM = 3 [W9 G 'H 'X(D<%0 /P /P 'S3 5\W;QB !^ 1 4($"(Q4 M-2,U*0)D*-/8WR/36'93U664\J#8>V V;IM*2< 6OI)K9%Z4C0-!IFK@P)42 M*"RP';.]DCN!5>%IM1KTA2/I+X4*I/IQTDG/ZH[,UID7STPULTO!H>#08W2= M;0U'9ON.H>^( 'JBH(<"*3Z$9X_,MC+#Q .'@D./".'U+:=;-Q9MZA5C^M-?A(*%6DW@ M+?Y)/_TE\U.Y4'=;%OL?(O Z:=3YD:=9[*>X!)%M]8^>U$ MOGP*#SWVP\7;;XOMOJ&2#B&2U*66&*T.@".I%CDI 2.O^/04@&HS "TBSGKOM4W/'R0/-T!P^IA2"N0!@@"@H @( @( H(M M@R"\;4 0WC:\;4 ;WG;#FQ8^B\3W1)CZ/&"S*$ZO^)7HJ'4)CW78SQ?YC"Q, M\6]/LH]P$ANE%.V X(G3I0O"IMD^0':9E136:'A&%]L0L.V (:T8&R (" *" M@" @" BV#()PM@%!.-MPMH%L.-OE)AK*[UH( IZ*6/[AO\);Y1I8-):?Y*D: MD$0GX8!\( I^*K:! $% $! $! %!0! 0! 0!04 0$ 0$ 4% $! $! %!0! 0 M) ;!@D+W<^YY?GC5R7]_R9SY5W*- _O%\S_%_K6Z%2'@8Q$4&M/?2",J^;AQ M%'LB7JWMSUW]'[5&ED2![Y')V!VV4 HY/:-"82>H*CPJ +Z5@#\YK1OD"R=! ML34;X*-6\I%M]<[,3@F&\@#HB8'>K L%P /P #R1HP+@ 7@ 'H!O.N#KY@T# M\ \ D ( (&/JE8<#0H &- D"D7.'"E!"H*G'+Y_P&N*CRL5F.^<"#]I5!Y5#]&.K&M;L]LVWCQS%0S MLQ0<"@X]PMH=6=9\Q5P3!8A>KWY,Y=Y>_%Y,]7J6MN]_GZ24?$FO M?S!P=A9H&$[ANR),19R_Y8UPQ6PL8M:S+>9T;;,7;#ZAAJ:,<@M:B+*[M4;4 M!Y$D+)WRD%U^$<&U8#_*QTYWU(E0PQ7._* SOW/2+(KE3[' B3?YQ%7Q5[U. MF*2NV!\PSJ$4-(R&W,C7+_DITR9$-#$*".,,O65W9D[G*6\# 9M-0 @#,D:VC-%OZSY, MSH\Q&6>H.B&[!L@+X6:QG_H"A1;-/>0/49+@@!M\P+_P($/=3'//%U*Z!8<, M*=WP X:4;O;Y0DJWX) AI1M^P#64TF2C./G7U:->,C^5KW.W[>WDC;I],$Z8 M'[)T&F4)#[VDT$91X_%#,E4B( U( ]* -" -2 /2@#1-(0UM,_>+4#Z$>DW@ M'6+YGE]S/U 3%CJ3*.Y<\&"'\P%T@'% &I &I %I0!J0!J1I-FD*ZODB=@G4 MSQ?L,A8\R>(;B_$K$;J^? H//?;#Q=MOB[T=BLHP0"(C38E-W#M[_*R+9C9J M-*\1! L_^F*'31+#]TPQPQ>S4S M>9K7"(*0KX>-GC<[HI?64<(< ;LPG+V(LQC8%C$;0DQ92E$QT8K!Z#)[0<5;.;K=B4 K#+%*[6 MZ(PPMB%?VP%#J'A L&H53RLI"14/8!QBSMJQG%X-/:AF-MV\CN)Y%/.TT [S9B0D44-"*&\(##8+@R>#4[H@ M;)IY V27>-8CRW9HF3<0L"V$(?JF ,&J=3RQ4"YT/)!=5 ACY,") @RK=N2A MY('!JI7\&:U<&90\D%U4F-0ZZ]?0DV]FB\5YDHA4+T1X\I/[7:N#O&&#\H8= M4JR(F@Q $! $! %!0! 0! 0!04 0$ 0$ 4% $! $! %!0! 0! 1;U$OP]O?, M3V_T&*0HG8J8^>&U2-*9"%/@B M&]*U'2"D97 #@H @( @( H* 8,L@"$\;$(2G#4\;P(:G76)>P5@Z9TM>X;-( M?$^$J<\#-HOB](I?B+"8WM@;;3M9PN1"QP6#$.:?F6@& +(7AB]V@-V8"6![2+.>N^-2(V0 82 MMH4PM&D-B0,&6XC!$V=$:YP;M#R@79 O/["Z=;S.IIDM$J^C(."IB.4?_BN\ M53:#16/Y29ZJNZ+II#20;RPSWTB*15'+T4((GA S@E#, 607<]8C:VC32M9! MP+80AC4<)@H(-@N")T-:(5_H>""[H#BR=3JB%4J&@&TA# %!0+!J'6_WH>0! M[29"V^Y:_2[AFT,-9S/FW//\\*J3__Z2.?.OY+HU]DMQ?(K]:_DI%O"Q" IE MX(TTHI*C'$>Q)^+5VO[F2SF80LED.]H=D)7,6S4N$T*+:R"_P)_BQ0T3G6:&"VV!?* MCB@SM=G ,SQZ%Y@GBGDHD,)G#O7KICY@X($_6\.?=MXI_T MTU\R/Y4+=;9K%?HJ;P,B.MWUD'12'T (M0 O00H <0 O0 M K0 +4 +T *T$"8/T *T "U "] "M%36=$.LO^;G"W89"YYD\8V57^SCRZ?P MT&,_7+S]MMC&&RK9$"(976(I!\)C63$VP1LRVZI.G>8T@"/$*7 /7P#5P70]<-]9D0 "C+A"$:$4 P$, ML L"&,TIDM^<7KI(U45**ITTCP)?KY@EV5B^UD_4;4O5,CNRLXT9ODB>YH @ M( @(4B('( @( H* (" (" *"@" @" @"@H @( @( H* 8-6Q^K);05Y'\3R* M>2J0@6M-S81-BOE0,]%"")Z8'7-&*_..ZH;V -MQ!G21#>G:#A#2LJX!04 0 M$ 0$ 4% L&40A*<-",+3AJ<-8,/3+C&)8"QWLR6)\%DDOB?"U.L6O M1$>M2WBLPWZ^R&=,80I^>_)[M P?I)A;",$36NK![&8K-GP [!+/^O2,,+(A M7=L!0EK!-4 0$ 0$ 4% $!!L&03A:0."\+3A:0/8\+1+3#&4WZ<0!#P5L?S# M?X6WRC*P:"P_R5,U5HA.J@%Y0)3Y5&P 8* (" (" *"@" @" @"@H @( @( M H* (" (" *"@" @2 R"!87NY]SS_/"JD__^DCGSK^1:!O:+YW^*_6MUET# MQR(H-*:_D494LG'C*/9$O%K;G[OZ/VJ-+(D"WR.3KSMLH00R>F:%PDY057A4 M #P #\ #\ \ $\>1P \ _ 4UPH _ _ / /P /P #P #\ #\%53$8"O M"/"&,G;]/3)V97?@7$8I#XJ]NWOCMJEDU;?PE%PC\Z)L' @RB?<#5TH@-]\O ME?T?P*K"LVHUY O'T5\*%4?UXZ.3WFG-.*EP$A3;CPWV!'L6M_^>=7;6K1F# M0M7!NJN5:@.!-@08 -[MH4] MFQ1@6TLEOTBYI/;JM\7>_OXB2SI7G,]?7KA3X66!^#CY.8P%URV4'Z(D^1B^ M#Z]%DLY$F":7ZAF7<#R ME\]B\MTSU^E*(MA=.XW43[;3LY]]OPDA6P&Q ,P:@M91IE/64\'FL1^Z_IP' M\F "'KH*0;Y<1BSIQ&*>RD?RT&.S.Z1(Y1=C,>-^*,]>\44K;%U.[R3R9RP4$0?4E>WH?L MVH_CF+VX?_(:ROHT7!$$"TA^]ZS[3/^>S+F[_+V8 H!5Y4'WFUN:'E/?L+,^ MI;PJ!HE,HPI-U9KLU$M2,,A3DR]Q#A9(59,RE_KZ)9^6K&54 C^A"*N,(K4F MG[$KE(#,W_)9B<%2]YF=!L)'6.S6X$CPLUE*D$>9HA_;QKMACC*++74>\\ M-MZT)MY5UX V*J:3NMS,^A&=U"062L"X'1E7@GQ4*@!F6;843 ?+<4@(%.+JP_A M]L&VN=1;HR;SD',V[VN_8%71>5N@N%;-:%05HK";O"[G#"OH+=BC\-R,]OHU2U)_W M6LU3?0KM+JVOMDKU/:I3:567C4:5FZ1Y\K5K[VB<;&.%#7$SD9@-6-/JL7(8 MNL0(ZY*A1]4R-*H64#Q#@_FM.TW'FWCB+:WDXEP4_]:L/>A&\T$N^1?F9K)PSX+ M-PI=/_!YZD?A0>/:5@_-GRD?J9YX]X$5CFXSGFYF\5W:+2:^383D+![(U\OS M2J/XAODYS5-)M:;8G2C(AQCWBH^7K.]-$2'O!$JY=7O>+=+!2$>UIIX6*__G%8HNKI6 M-D ;T&XHM!LWC$>_XR+5[A+_:K%0I,K!6CI78Q&*B9\BI]J>G.KS'=4K%#.J M &&S0.@\[]4/A,WT<2[YUX[X*F;S]/8BAMS+@078&@OP9/2\3>,8B[U$"= F M#NT=94NM@78SG9OWH1L+GJCLC]I)IA-U8Q[^QJ(OH?!8X$_4WY(L5K-GY!>3 MA,UC,?.SF?R!^QZU6K.< [3*AW0.T&^VHO9[R\&JEY?)2 M":X*%Y1:@T';'H/6@:\&:#<3VOWG.]J:6P/M=HP+U>_XF$[1QH VAB*R"C68 M0&SHL #Y5D)^^-SL=1:U[]LA=AV%?L?;;07K!)4@B1GW&,9_@!(E)O7>'][IM[,-[(R:^RNV]RLL7V:> APE[XR=N$"59 M+/=U2 />XFF+A^EGK3VJF5UWGT28J CR7.Z6\201:<)F@JL=>XRG;,+]>)%. M52-=DVPVX[%3*U1Q6?Z630.&C4I:HNU.!8/* M8'/7.Z47I %IFD :8])VK9_5G[#9*!9.N/H3-ML#A!.N\H1_4:&#>IUOD4Y="5FD^37E^X/&5Z+A\OD@XGG 4_==M$#*QXHT:WEX M7 /7.S=W-B#<( -D ]F0V, U<%UWB5V.ZU%BH^%NU^.'./J23MG)&$,SVC,T M@Y;2P2C,%D)P-"0\M@4@; <((06MH! MH9D60G#8I75K 4#80A!"#@*"D(.UB";#:R3I-9986T6-/$ +T *T "U "]"" M0..#[6[XZ4??TQ''7_*B8 \AQ_;X.7"U <&JY_]US8[6)4]U@+!Z$$(. H*0 M@[4(.5:3F%\:R+82@/:)U&1E V$(00@X"@I"#B"KO MM)+SXM4)(LGM<5]IZ09$4%H(0:>.15L 8;- "#D("$(.UB*2#)^1I,]8LY(A MH 5H 5H(D -H 5I:C9;6A!DO9CP(UFM6KQ!I;(][ P\;$*P8@O;P%" $""$' M 4$JY( <)!QI-&LF[]'C=?O3K>V\+&6=HI25K ?:<*6!($@+(6CW:SB!$"!L M%@@A!P%!R$'$F/>(,>?%K#Y"S.WQ:VEI!X166@C!GNT A AY" @2(4>I'(0_8V]\S/[UA)[\6&YC<2# J+M(XBCT1K];VYZ[^CUHC2Z+ M]\@X48+#R;SF64\J#:J@L$%%"3AYA6>R#8MTY/:SA@$C!L%@PA"0%!2,*:U">C M$HED)1*=?!?0 K00)@_0 K0 +4!+8^.,^AWO_*_"8^]#-YH)]DZN)$%DD:HS M0X=AX/H"+83) [0 +4 +T%)A]*L$TVW?^MC;G]:-O<[/%XL6_M_0PD_61VIX M"@5N>@LA:%O#LP%@"!A"$@*"5,@!2=CV2.CAYK1N/)L)S^>I8&^R6+>@L9, M@V/).JX-UR*(G;00@HYUUJ,U# 8P;"$,(0D!04A"S'0HV,C^$(57:\;U#&,= MT/](7%>AX1> )P9XQ^J?]@%Z@+Y-H(>4!^!;!?@F27DD&1ZMWL$0B':%-A!= M P0KAN"I97?-#@TB3W? L'H80A("@I"$-2F#1R4;R4HV.OT;0 O00I@\0 O0 M K0 +MH-N?A#9/_/XM"=I%&[F_5&L;P)1M30$:>YH @( @(4B(' M( @( H*U@& S(\6O>3+5,6*Y#1&F2>?'*!0W;,;CWT3ZOX@9M\9-/>V28DF$ M2EJ(P8%3PV9O@+!9(*1EF@""+83@X*R&4Y32FM?X(N62W<V_#%M0WK3S-7!,%BM=\]ZS[3OR=S[BY_ M+\8-7&ZTV_WF]E2/\'++B/+L?(<\)TDI^1*[?S! =@9$#/OBKE!7%^5O.4_9 M&^&*V5C$K&=;S.G:9OM/GA"V*B-T4C"H]L>/ MV] G>\?]V*B(K42 5J+5\J^K1[UDOJ2M[V[;_I/N(<3;NP)_\*#3-3K?(MTZHR1 M^'8?YTDB4O::I^(JBF]>%FE>P"< :4 :D*8RQZXT(?ICEF;2/9YDTD-C'2;T M+$*(4C %2 /2-$*4$AIPE?^+'WHB3!>/S+U!'E^)CLOG:FN98">\XEFP%"=M M%'DT!K+R&-]!:60*<-U07 _/AD VD-U 9$-B ]=-Q'4M)7;C1HGM=CU^B*,O MZ92=C'$/17OFF-!2.ABETT((GH[,IL')4QT@K!Z$D(. (.0@[J#8PTY^'<6" MG;B(T&,6-F$'%A!L%@0'-JWISP!A"T$(.0@(0@[6(IH,KY&DUUAB;14U\@ M M0 O0 K0 +4 + HT/MKOAIQ]]3T<D&1%!:"$%[2.NV=("PA2"$' 0$(0=K$4F& MSTC29ZQ9R1#0 K0 +03( ;0 +:U&2VO"C!H*CPJ +Z5@#\S?%\X( _($X,\9#P WRK M-T?&-ZYF>5O9Q<*KZ5Q&*0^JK;A , 'U>(AGM0>"/>ML0.O61\"PA3"$) 0$ M(0EK4IN,*B2254AT\\[\*C[T/W6@FV#NY MD@211:K.#!V&@>L+M! F#] "M M0$N%T:\23+=]:V-O?UHW]CH_7RS:]W]# M^SY9'ZGA*12XZ2V$H&T-3FO8N H8-@N&D(2 ("0A(J%/-Z=UT]E,>#Y/!7N3 MQ;K]C)T$&!I+UG%MN!9![*2%$'2LT7 & *&D(2 (!5R0!)BGD,A1O:'*+Q: M,ZYG&.F [D?BN@KMO@ \,< [5J]O=J0Z0 _0$P,]I#P WRK -TG*(\GP:/4. MAD"T*[2!Z!H@6#$$A];I60U;GP'#9L$0DA 0A"2L21D\*ME(5K+1Z=\ 6H 6 MPN0!6H 6H 5H:7944M58O+B81G&ZN#KC)$0-<40R_RWY\P] )-E^UJNC17<(2& M8& 3V 0VZ[!08!/8I+K0=F+3D#W+CN(7/SL@HV[IN*T;D&_7"/SHFP< MB",]K,+]R;\4>C8';I^ /VTXMKT3K!5&-L!(8*0":QD=Z[0W!#.!F+1P8LG4';_O^]#-\@\^4U7U1N) MVWHCYH?7(DEGBY_UG](;QD./3?1X/#^_R3Q)8YZ**U_LN,Z\\,Q8I25Z598I MUG7C0 00 0!:\+\17'QZ]\%/TDOUI6<%2?6E8NMVO[E5&G?TTQ::IM%\]>W> M4+WXSBF7H8!4+>N5'W;4+_*1H_GBM2=\QTB$/;;$LS0RO8E?LR3U)S>+2.O4 M5SI4:L(HOI%&09AR/TQ8(+(@DB:WNI%1_F'NISQ@?#Z/A>OG5\>,;Q;&HP0*F\>^ M)(=/)[3> M??+8]^J*_948%[-Y$-U(X(4YZ!2B;_W]'+'YW7TMKYA0>98.\!Z%H 6@#0NP#]0VZS -'U0/2D]HC.+>U=,%TW M5214E:/9EQ8+8%H/F%[5'J9N%";RJ!,%2"Z_&PA7^X#RU_4$0N[A1;EE_#E+ MY <#YJC\%2R%.@%V"L#"$J@58OUF(79AW^9AC,W6[#I:+7D2ZEKG/.R'+!;<4\&Y?*Z$AN!:6$.^487CUD)U^D'YAY?!/_^_.NR7_VT1_$AF/ CD M6R1=OEG:*HMO9:$OB9T(BT7QXG.Q_#O/ORC!UY5OT(%"^75I@>?OO@&KD6>U M7VO/:E/^H.YA)CP_FRD.RX/7811V5JCTU2M\74*A^&DJSX#]GLGWI#<6\[)8 MX^Q!N%NE;38$O]TH"]-XQ61)CE(AV3^:^:[^UCR2CU:T8\E-DHI9LIXV.M=) MHX4N2X\2(3]>O&;GK__YGHFO:K,_2;9]XU_[GI#?^"S2+ ZA_VK"E+_5GBFE M-HHE-^H,TJ)822@FN\^IZ3064LMDJ?J; K=\4_HE4IC_,O7=*5BK2THZZS@C(-V7IPD?77/2*QQ*N M-XG28N=75[&XDEMBKZ+0R[E'+2M0>M'7V6+U$&F1^I)Z/-;20S.S8LRI7.TB M.W W32S9//86.0TEGN[5;0JY[JM((B/,@VC*=I /E=\.7?D%,#]YY@_JS_Q+S36+$B4"M->F M\9[S](8PV8KM7B^2TQ+&KZ-8*D?%?N>*&UZ)-)56YZ#C=-F_!(\M]BJ3=JCB MF%"^1'/G/=/9TU:K/_$E>ZS)&"U,%.=ND0],O=3+WSK6;P7;D&>;6;W8)O]' MI1_"=$',G8&/7&4HO;+BH+4\];9P\]ZL94GO\_]IUEIQUL<59S&E4_3S-(.I M0A(P!7FFV'51$3&FV&%(*AMIS6I40'R1Z'N9%H7N4^%);T^;D4>#<_GSWU]D M2>>*\_G+"U<^/PO$Q\D;,?&E__5*A/*']%/ P^2-G[A!E&2Q2"[ESEX%D?O; M]W_\ V-__U.GL_RF8DDU-#_P-8-J+?597&4!3]5>EPSZ66TG%KDY*#\5 M#[7!NOBT#MW\6^.?J=G9/?EPJ858 M^-NWTHQUM1)?5;#-E/N=.^?:\M9E.9+(;X0K9F-)MYZMI)H]U!^1/PP8ES;U M@[J?210$T1?M$2B:/@#/\L>[M[K,278^)LK*$UF'EVJ4/"''5,<2[ MW[OJV!D>WK%ST'B-.PLJ4N#I)YYK_#XNDX\LN'_"V!.(-@*?!%2P5R[JE@BWO#/F72SDL,MWD!<601=QE)V]XLYI[]4VJVSNME6DEX MS\R^3YLG[%,L#9K4,#=%TO1T4_]:J-==^XDR@\!)[>*D^^@V"SEEG$OG>S)1 MWO@[Z83?F'W?IZE.9+T/E6Y2]O%9O?!=T%BPG>LRX/_F7U>/>LDTN-QMNS]Y M([T3'B\\WRA+I"^3%'L#\2:NWY_#G>*!8#C@L!::.=<^9+U@CP,^X( _J\ MSK>QYPL&;O@!@X&;?;Y@X(8?,!BXV><+!F[X =>0@8N)#)21O,]9:'/:LD@G MWR!6=SZZZ"%2!?,V2 /2@#0@#4@#TH TU9*FV)O!G6[)%[)O*,Z\4^F[JLW4 MU[S(8XO%JISM)(VDU9W\ULG'3(EE;TNQN1XJ]S,==4]0D4>FGUCLW._M-#ZM M8G.GCM4],SO4F\A=6HT =QGDJ 2'=O_YJ=D* UI"Y1L(;@CN8S;7&UEG9V:O M""(OJ6H$[L8*[M'S;IP#!769&H,1KWK=E!'P1,YMZ-L#01:%-O@7T M8-EB=G/#H=7M]D@)EQ) 55MP5ZCC#%\UVWL^Z-.%8=.<$XK8AN ^9'/.F>7T M3^ER# 1W.P3WD%I0"7(;PBY MW7)H0VX?)+?[ENW8=#D&I M,GGXA!FB#==L)6#QF"?NAK69 MD:"3"N^PL UG(*&3:+)2BW52W[0W"9W4(D:"3BHXYCBT^GWX26UDI1;KI %T M$G02=!)1[H1.:BTK02?5"?-U3,71:<[1[]A\-=O@94EU#DBW'YQN+_$N&VKD M 5J %J %: %:@!:@A1 Y@!:@!6@!6H 6H 5H*9@\K9D07YL[8PV%C&G%0AL] M_&QX:CDC#*VL"[@;._S,'CYW:%W(4Z>D?R.P#<%]4&Z^9]DC3(FO"[@;*[@Q M;;CMT(;!N*;;IA"$A"8&6@LG3N&K)_6>4$ Q8 M4\P&-:0FY#;A/F%X*)1LCM%LIM"J^')%EZ M78/K(0TE:XJ?BUVGVA$#P[9K7\Y=R+AM0VAM,RN1'C%ON'C<>/-E\: G[BNT MF9.@E(HO5;=K<'\KE!*44I$I!N@DZ"3H))K$-(B2QQ=6'<&U!X%KNYT7*QX%8_;:0F7]_D26=*\[G+R_O\R3*9]40$(N9"-/DYU#JS%<\_$UN M9_%!/PJ32[F75T'D_O;]'__ V-__U.DLGZXN$GS'_9C]PH-,6.SC9-(9\T"] MC%U,A4C99S_Y+6'_OE2K9>I!3#_I/YU._K"'ZU7/TX^3#WN5/TL_2C]IM13F M2NTB?_DL)M\][X'\K67 M:V0S5P3!@K.^>]9]IG]/YMQ=_E[,\I9,V>U^HE4QK"=[?M M_N1]*(53E"52YI20>=\?^$[M@)\;-'E,OFLX(E\XV'&\AQVOV6I=JK)L::P/ M*Z\N6JB7V[6@=OI6C:Q-L$*ICUL4V+&>@ZV*+&?PXE\O?#T=(>E-E/_$K/ #^4# MH\G"T:]6J;6U 'T+BQKNH!Q9PT&/%(NB$:*%..SUK?Z0EAU49HL%,7]GHZJ( M11U>Q2. 356)%5V+A#:PSNX8&'F#8-!B> M.K2NZRW3SWBL/X^*\W&AL,47)6G?JVH"D:3L ML_1R$EU2\R-/L]A/_3PVIDIK+C*%$S_4CM 'Y?AL+TY:_^RK*(YU24XSBY(N M)6GF*YJ.5S3UES2-5S2=/:!ILD[3W)GD&XN<8L%XLJAN2C;5(2U_',?LQ7T$ M:9:H<;50Y6GI6UON4L0SXV9;2S+\*TED5)*CBJ/2ZC2M4>IUP,6XIM56G+V1 MFH+'.C1IIO+,('Y-%Z*;YO?VD(8LIVP)Q#RPMAY84CAWL 0!EB"4%+L[8NS6 MO?(R(5>93J6&L;OL1DAM@^07:J:.V=R9-3JE-1L5&;469M2&S_N$\[J%;_>Q M;O([VFSYSJF^"DFZL?;*CS44=J9T3]1&S>?8!C3?ODD-J@F"G'A45[#'8,]RLEI M%5(.>%]7V/WC=,7]M??WJ/.HS$GJK53%9:3F+S_,\AC5%WU*XS.V""6Y1N9% MV3@0U,RA4J:*;=L^ >O7'EA=QZRBV@E80B-52#%3@PBW#[;+FT5CCI!/*N]X MO'QB5=;Q(_]5F@ZO YXD_D1N4Y>D1Y-=Q1GGKJN'G/P4I2+1GST/O7?YN!0U MT,85_K5::3/K-7*BN7>(INLQ%N47K:ZTJ%O8WQADULH4UJMQR@T+X33JS,ZAIN8B,2) .ZVX?ND6V=GCGU M0W<[.K2WZ;_7:V,^C#NZ:%EM?,OJR!ITR\VJH4\;H*\8]*?6F=/ /NVRU6'9 M([#RJI5-OEX)U2ND+G]IQ3U>%8"6 MIJ.E<3=.;$LI?!92U(HDY:FH5M3"-"ES5N6@:PW/:#64PT9N(Q"=,VO0I34J MO)WF]S8%\8'2542PL,J,AO7D>\GF>; M'KGD7YGX*F9S$W=YH[:AG;4-CC5PS-ZGBHH>H)X8ZJ7'-+(; OIVM'RLU;BZ M]W+@!-4@B5IR%+T?$,N3%G'7<,,7>CT >VJPU^9?#30AU9P38NPD8^PUJZ8! M6H"6%N=-5KW;F;3K2=2U(AC=F#IPH 5H(6U"5I-+^$ >Q;ITX-Y]P APW#8<_J#\VFH2C;XL2#[[L*FW++ M'7%X!"2/+I"RG+,:9*,1A0?HBP-]WQJ-:C!= A5:F[/1ZW$K@CJ01,T'BE/V M%P<]VS(]?1XE64 ],=0[(ZO7-UN2C)HL UKP'@UHZ3X2%F:#3>'R+ON#FP9L MM@^;K?.FX$3!G"PFIG+F6$.[!@6]\*( ^P)AW^M:@SH$$]M9Z;8MD?:32)DG M)B*.A:=U()N(JN_H0E53B2F D_Z0U@0/L]LM]AI:0)LTM.T^X4%ZI4*['>[< MUDEI(DD8#X+H"P]=(=^2Y\SD_R1)P7T3VMF_!)7KF"E=K+2 MP#HU/'>TYJQD2)GW">;X/JBH+(N%*_QK/@Z$Q4)1[*33C52@8M=O85ZY1N9% MF:0'-1NTV+MY#]P^ 9>C/QI89X8OI]Z)6$()2G 3N.D(;E)-0KUR4RGFN&E- M;;](E3);_;;8V]]?9$GGBO/YRPMW*KPL$!\GYZXKWY0F/T6I2+0V/ ^]=WXH M'5FYZL\KQ7@I5_PJB-S?OO_C'QC[^Y\ZG0MQ-9-^,/LLYI'<>GAEL4_2X'-O MV+\7_Z^^P_27_M/IY-];+2#_\NJ[^3?R_UV]2E6@*DI]%I/OGKE.5^[9[MII MI'ZRG9[][/M-D-B*@ 5"UB!CP,S0G_XB%+85!H)[]N^O69+ZDYO\S0\H>!^( M:S^.8_;B_GF:,Y#N+/-R*MCK:#;GX0V;\H0)R0$93X7'4OD7[J;^M9_Z0IE1 M 5?;8&G$_#21ZXKEQZY\EXVS1 V33U@6RC\\OX4P4P]7QQQ'0:"^ZLL3CT62 MRA_TX]_YZ7]_\,?C2)IIYU++??%8?2[D:18+W>PI-\:OA*;J MEZD(U42M.5>I![FD]'8?WR8LTAT^VY8HO^V[4R:_*FGA7>4/& NVZZWWM[9. M-T_(K/K(]L8BB+[HO\=+:,C?)%FF$E#JW>J4U?]SR;VQIX-.7_QT MRA;#&VN=0/<7[*?Z7\)H ML2(E$B1P-'[E>=X7H \%SC[\OB9:XFM?R1]VGB0B99)8Y^K.7[EK3ZXP22UV M+J6JVE#R4+(LOJN_>IZNOOB+1*U8?>V!;!FL9,M RQ:- _W7G[M=^:LG7'_& M@^2[9YW>L^^[ZUO;ZX65;NZ^X#2VN1^7-S,GJUUJ/9\POOSF@7O*?]/@M8\\ M-+LO[9&]][;^XJKV=]BYV<[1^U,6P-K>5*YVZW[>R3^J].YQA^+T>IM7O7A\ MH4L[D)Z]T7Y+NYA*1=$9\T1S\&PNPD33M7.1*C/FXSSGRG__*&9C$3\TAM37 M7ZEOKW]YU^+_[_R+%.^7-W-Q_M5/_N_M;!Y$-T+H5^9OS%^WB_[#>URQ<3$E M;_4>A K:ZFAPR$Y_B'FHC)P3J6<]:9WP.&%S93*HK_WUJ/V>Q_+9N<&0O+JY M_]V\62]BN1]^$D::9'W3VU8"N]<>AM2"KW]JJ:%)N)3[+O"#%YZ MZT1T)$_8SYW!+AH:V5]S#J80=&\XF.Y9M0>S33:PM=>R\0U;_]SBS4R_VLK_ MC_TB'0 EX_-W=W[D-TRAF*T?+?L42'VP.MXMI_[&CX6;1C&37BW[.)%FL 3* MDS&QC63Z?Q:+SM>\4Y7O>^C_I[;Y$Y_E'Y.44 ]8^Y3Z\^*3EWZJ//KWH;2^ M?2_C@?[*D@*2 (O]+]#T_:?!OP[ RP%[+P\0GX6Z:,95TB '@/[XVOGO_ = M"-PN5:_T9^6&?K[X^1$8W/M&OK4&G>XC[/YZZHL)DV+(S5+_6BQ9VWKX3XGV MT"^$'@+U0 (4I"SJ*!@T"5?D6E#F_N\J&IC3[K[P.*TKO+8<^?D\]@.%N^YC MN"L3&$\T$^X"0V]+[6HC-.HL)O8[, (,;J_.T<8Y[LV/^^OXHG1!787^(V8 M1'\]149O!8\>1$:-S[$0-J_^')?N?M4QE^4ZJ(1=NG=S):5NKV&'4WRPDL3A MK,/?O^]*P[ MZA4@%[<3YBF'7)_C>H2^^Z>-VD#?0M3* _K:IY62]Z$P(A$V,7\LAYA>A<@I M>]@_=#TPJEQV>1^JKH[O7;CSL%"(RX+&Z0WZ]+SRAW(>5M\1^K\_LBN4#/OK_X=:H;1RK%KI_\,4 M0\\>]@ZIP(4%0$;>'QC![MM.OYR#?OMUKAWVJC-(9:WIB5CON5!ZB5'B84B^L &CP?%7H\>VUH=60_ M96J%+)HL+$7&LW0:Q;JK^?# 0E&GDZ_JXT3_-3F_7=(#HU"?PR%U5SNL-Z=_ MVBWD/+9MX6#*E^ES[TWWX4.Z/^8_[Z3ZL#?L%N$=%4_UTGS? FC_6&?1KA!4 M=]#O%Q&>V'D"G_WD-S:)A;@=&J*&>="H#GW'_3COLT^2;):_12WXG5SO^\5R M/\O55E(R>N<(^^M'J%3\<_GJ LYO7PKL/$_R[9_5GG61/:'U @:)DJ0G'WX9 M[5T[S_.0CG'CYUEOP5U&S\;V\W3T>1:A=TN5VS7IXZV=A"^NN&R3U#BE!+-Z M2XTRFD-WG:=3B=@H-ABW%B?*'8?RXSX+C_#^"?<+#+^=[3/!Z(C%M^YPBHR- MVKTSG$ZAIU-H0X4S*NETI+2+_3#Q734J.!,J1!3=C6>+\A(%]YK6]%VDJP5J M>5W&G+G!HJ'%P $\NK?&G(F!@7B#Q<#(RL[D[=>YT.%0;;D*:=W?^")HU/R? M34;1R&$1/BHB/*DPLZ3K".XUWE2 M"!\5T3V$XR3@UR_D;=]4>+>%!UIM7HZD JUE8HZT^?6$Q!P-9%Q'ZNJ/P$]O MB =EERO^9;5@@MHX/]-NW_29WB7"[E-MB6>V QN-],VZ/5-)@*>"C;Q[M@,F MU3IHBU-UBAB!5+8((6LS$!4,3[8:Z#%]W>T&"EX"3K7H4Z7@S%=F#1:9;/R8 MI8FZET[?%KEL*V"+OH)E*E+-!9!"K*1TS-J2#FK<."*M_[!QX[3 AMX]-X3S M+:TQ9_C<*7 N$\ZWD/,M\.JEAO)OJ<4@:V\NH8XJ+T8PW%>YO>>%.+E/HQTM@)*(DQ8$PM)CIO=QY3P?&)NN6#-1G@HKPII\FL"KAI4]$ ) MG9460#R$^X""&%6TZ+QZ /?]SC]_N=S]^]"5"Y(4401-/D6![][L.L-GW_]/ MD/Y-4ILEZ4T@OGLVD9_O3/C,#VY>LF\O_9E(V$_B"_L\ M9'9WGO[MV?]+'^^]Y&"-K!UM7=DF1LE4B[% M(N!*%J51/CEH(2I'&Q(+K MV3R.5*%@HHAPK0+O4N**K^Y4\8ZD7_YEKKCE^?_PV?QO?Y90_-NF%Z]11'UE M*5:68OA+*'E]ZL]S2:Q6Z0GY"#U-/)LOJ+&<%*)%8[770&@"R5_GZM%S'J>^Z\^U^DBG<91=3=J[4_F#?);OJL>$_9>'YZ59UV4=EOHPT_R?R0QU'-Y>/.X-DGR MA^A'R"?H?]L2X_T@KGCP5BXJO=%2.7_-XBW["%M;9;/O46#3^RO;9U^*QF$E M^Y2HZ:0BGDEQ%\?1%S^\2AYN0W[H4G[FU>HCF\.]C_7^J0O<^J,'S7\/GES\ MTH9[+*UOG_7O7W]VZ-+>"4^R?L#^H5CR0R3Y^!4/?V/GWC67+/68;;7G'O[O M0Q1>J;>^$>-T9?PL7JO>JEZJWKE\Y>Z.3)WZZ!Y]*B:W/C"W]0,!F2H5=\F_ M/MB%^H.4G!\B5W6>*I$L/Z5J7,)$O!*AF/B2B25;AYE\X$L MWM8GM[;V)RZCQ W>-P%W;+!G%[U!I9,_2]1(FUH:%C%[S8- _O0FBV_O>K9R M(?]0UJAO+[_\,HF+^2O)?JYFZWQ)KU8+TG_9F2C, M1T$>2;M\Z?,LEM9CITJN:1\^_ZY_NC0CM16YR]'=_E6UG#=^ MX@91DLEWO+I1_YB[PTDTWY-<]R=G/FT7A.AG=T^7X='NJ7GZ.8.'>#N&?IKS M-GA+RH/0]!.YM-M(OMN8QD(F'BE_!X/3A[M[\)+2%G^8=E2W$AE9_+ZV_Y,V M=;@+4->-WQ=TQV_\27#-F?6^;M1!,NM.^#59U1IZZK)1[H?R:V]Y'&JC]4"Q MII^_MK[5%)/=0_57:O/M[YFDE2)0%,I?D\7=0?G*E@O;BW"[!=CV]=:-G/?Y MK8'DE'N82?[=PXHKD9+YHK9:.YYOOHWZ=1^XKX.N;WFAJD:,VG%WM^!!B ][V]WAF]1 MI/Q$\_JQM-E^19KF;.I#4GP;"A[WI]W1.14/ -$71 V.]ILE72(#7%*V, M$&1GS<6#:B"36WR:@C6-B@*UJBG"%5:M402]GN#'EXRS_5U6T[0ZUD\U1:$# M?";3)#K:43J41IOMU[QJP]+5]OH3R4$I\&UE(/)Q^=.*3XEONYRXMV>%RFII M3Z7/7>R8I98NF=;4RHNGCZOT*8+8!U53'4WKINOA+]0C=-4]7-O-& BX>GS]\]>C%D]GV*KH<]8;WR]Y)D^X@3\00'$OS3^@>PU/#?-6 M'V-(^RB.3WY4I%L*2HETG,&P5@>V?Y"SFH,Y-/39KY7DHF. [2/"CC/ !KU: M'4V)9-]!NN&9TZT5Z2@J@;WP79@2L.U:13(J-Z",]57U>O9H0_4KW:,X(*56 MS3$4NZIT+1[RBS'K?3&SFU.K#*_0YCY;Z] MP;!>+F#%9E=);U5]G-Z=G.BJ7'UW5(/>8>="Q@(-8^55AE[:FP(5][ ME$<]OJ>"+4OR* MNCX/)"EC_YKK6UQ^D!X+.U%\^-<2L257=KNPU;INEZ56I=:T']'ZQ;%EB20[ M$%S%DLS>4,Y?#,DNA)O%?JJF/I]?]76YUC6A;#+L71MOASNQ0M58QM4@R:1OO0&(58>,--MTC M0-]@.9!2A1HL-5:TQY"M*%M%NA7%.?*5JX-B*%J8.N@/]U8'EY'*R2?9.(H] MR1&*FD$DE]&Y6/\G=4-0?L_15B*M?5S=772YN+OHD)N=UI^AOJ]>N-_(T='I MO0*5+:LY<-MZ T?O^)$+G=:?H?ZPYRSKLS.;[G;W/.#]MSOHWK]UY,G;_?\R M?2ELN8>Q_8@Z*V;HJ?]T3W@?S<&Y(_\4=P7NJ)W]G:VKURMQ- V+\O MY<+9JT!J@4?W>_OMVR^KK^IO-OU^VY\^7KYE=N\EN_CYU3L4J4S7E">,LS$N[DBCP/0T'R1")[_D\OF%I++]K2?TIS)4LC^;=+]3?V_KVE;K'-;UI-UQX>?9$NC]0XWRPON77SA']NB:W? M,:N6E#\LO^Z6_65@232K_ZKO]KJ=&\%C-I&\F:HD=BQ7N7Q-)QK+3>IESZ-( MS6UR%Q6#R:T])Q_RZ [8R;-WBX=W/JN'2U:1%I@:@_/LK_=7NMQ??K&CR.^L MG<>1*X27K/;ZUE2>N? M_BS47<1"RA\>>^H0/K]Z2._-Y_G_L_>NS8WC2)OH]XW8_X#U3I^W.HY4+5+W MFNF*L%UVM]]35?+:KNF8F-CHH"G(XA1%:DC*+L^O/YG@53>+$F^@E!TSW99$ M HG,)X%$(I&)S0AP"OJT4/C^5_,HM&>R@"Y1_-$W8A%+V/I_!_Q^]L;OX[$: M/*IMW&X"8KTI^WP#RLW>*>\!SC^SN;D 9+_O=7\2FRP-GD8"H1M5?*EYP == MS-NLK33\(O4O!K2CL0GL&'TXZR @ORBS"[S9AK*GA8:%HSE0BL_[(W=Y@AMK MM8REFV?^RPV4/L:M824DF% (>Y+@@X'I<#!@@XM08%NXF#37Y:!$01WIR^2\ M%>VD!$)B%P(\Y$?J;I8,"AY-DJ0(8'?*'/Z$&R^<*/RZT:A>\P7 V44&; (R M3J@PR1BZH$>4X/9GAQ!]"1"_&"!/7!T-:R%\0/]> !\GKPDE"X.?@4'_XKHG M*E\[_-FP%R[J]AQL@ FBU00M][0@E] "6C0!^(Y@EV5[AL[?LYM)/!Y4\^^H M-&..\P).+X;@)Y#K3XF)V+B88!T,/\L&"\EZ@H8?1?XZD!MW?/$DV!6HK,^C MQ) ?.?KC!/+%-!;.!R'89QJR&K/2X=>S3<@N&K8Q!BKH?&2QD>[9B$ZE*]#9 M;2PQB/\ 9GK!FO,7K&/-H$\3I8>KN#9#E/XG6 :6C=I@ K( 'U$!]ZGAC$49 M]5=?^*!PKC[EXX7I3X'!:F GR$*JU.Y[MFI&($$.6DP!2.>:OS"LTR'*TL./ MP!*F30" *V-66X)4>P'S.+%):M=[,109%S8"H:5[!?F M7.@7ICTF9"&-R('VSO;(H MXXA!Q!/;-.T7]\,! _,/571NFG-MC,&>OYZUSL1G=Z[IX>=\AOYBC+WI!['- MB7>BGA/]-6;/@C&_GCW:GF?/HGX!@+ P:V;(-__GO^*N H3;]#]^8/_;OT3' MU/D/)@R=PO:[HJD/#)79T)=E:O))L,]^=X-* >8'Z*3[\RKC?_'&AP\\D%4T M6_>)H\U_/_/_F/]8MXGZ+ M]23>/<3;K9=X?TG,8(?/905S.!['_=J:LK9L9,%N@3#=V71&9!2MUJ?#FGQ4 M(K07^KV?0&TU_?L3&)C6N ELLAW07%WG8"26HCG^-^@1M;RD*_V_-WH> R]C MKBO^^G09F5,IN)/?TK3.FCW(R%-(HL6_E,3C816#ZS:4;K%K829A%H,IPC9A M6UYLY[2P;;+O=ZUV$_%/I:O=FNE8^)YV_ZEAB4WY30T'[!KJ0&BJF: PY(D6 MAXU!OU7H3+ 36!6*BT!_JJ!O%^O%*@_T!:V)G11K8F4[0#5:$[=%Q16Z-'8. MFB4*LIJW*!_0R,;VXM'DQVU8[SE\"6QOI=MHJ<4:WSL!6^%NDY2)E"E'9>HT MAD/E2)0IL93_(@Z&$SP+_ZSXA'SN&)9NS#&84C,Q9A+>6XHK<44(1! 8DHA_ MW'F6'@:X880D':E7=108GRY@[&GA#H83.56]#;6F7D>K).-=,M8YSGU^+QB, MOV/?(9N I3T[WR/*YQ.L%)KC^B&%143[G,ZY,;&F?II"42:D$G56"6E]C/&Y MVWC!190_K#!*B^%]J'S=B[(X/X[9LR&9VZ+X4S=)O'U'@>TRV%$)#'OO.P-Y M49C[<']Z8ZQ+JUG8YS2X5Z\JT3ZV&*^.I!$GB95/50I8^=(>O\MZE.TS3U;J M4C(O=S4K/KA,;BEM1'6&[K/XQZJ:5I*.L7;SBY^8P "YL?_7ST90ZI'-ENB+ M7$(N5M<*I9-MK:A5($:; C'H[+BV9\<4B"&M,AT1X])@NSBG'D4O!-$+YQNB M#1J)%")1ZHDW0A9.+1SA2._ODX_^,!_]8%"Y^1E>4N^3![YF]J%DQE]37K]G MM<-&OD5T2(OHR1SUR:5W)[W> MJ3M._FF]H_6.UKL"]&['/2%:[VB].X+U[JWL)K(L@@]3[G"14#E7E:1T#B>9 MSJ&"@[S:Y7-(,PN4=%YVF%:6>VJ?02OKY)0M0-6/[LS^(%7/=F(:CFUSC:PW M:UAM+IJ%Y;2:0=W6,(]]FO)@;]5#PRSW5Y9G>*^B(IC?>M!X#E7^ME< RW4P MO;P&\V8-O^5*;EB-8&1Q=F>XW]F%J+<05D_Q;/_;/T0T&?QP+DK(K X+FX 6 M\%'Q?O#Z@XW?A._ZKVX>\?)H.LG1=,X^MMXK[6XG'LH>W=@;,/WFP#,B?CMIN6B\BKK0ZNW4A/W(J#O7 M=LT@,G -&/3(@3VF&?Z&)6/VY,^#?<&QB40+!\TO[<%PN%'1]NA8TN&GF6?: M;444:U)8ML]\&HA[LH,%,BK*^T!Y,02VYE&X2+I=+ M!W(AZU"%[=4:;I@[W^ZHNA'M@K@BK,G,P]EW@9#.], F M;*?8?Q5&9)HYK:>VVH-&S:1.1AG:T[>PXEH'X<2J>4U7!HKQU. M>E/QL/U=K]-)H\B%[F_R'WJJO9W24EMY#WU]]4JY"N4[PZVV7B2AF=:+-PB= MK;!_H&UZZ^QBOT:O3,>O! _CT]?^Q5O]Z>ZT^^O N2-+C:2 M#@1_YBZ6I]8L+)C=P@+#S0O'_B[*EH<#W';4D>C0Q78>H!G%/\_;?((3E:"_ MP/K \,8]?Q(7X,012-AO.(8TAR#M=FO-U;J-J#U8\-6V"F%#+P4;H.]#.#$8 MBODB;TY4Q85#6-!1!ZW5O5(.+,B(^EW'>(HBCO'DH3K-Y*.T 6T%\+HHQ4LS M_QRH>/V!VEX]Y-J/$V^-ZS#I#(;M[O9I,>TR9B^<],L8/'P8K9VVLKKXOM%' M2MH?7NS4I,.S!YX^](8I*8!OZB*F/8D%3$7F.3V8RU=1!;]5]N:N? MF%A'L]P)=_PR!_?<>3;P#C^F#+@V+,W2#=S*^OO,?V)0#A-1.>N39=C.N36. M6AE-HC;\)J*HGO5QMI26XMG1B#]N"K7:&ED57L./0[&VAFN]!&F-'FTSR*;^ M=?1PQ?H?V/W5W=]O+F^^_K8:C25'OH?/HL:$*W@;N!IL;RHDYW!FV1XS+-U< MC.$WD3J<,TW7_8 ?%"@P7$3 B8@C-URI1&X(^&D,$+&M]W%D%]N47D)@!)>[ MAFC_0K.^QP2IO8'XO:WTF<-= Q,J(7AFMN,]X8;8+Y(1T]W Q^9<]P"/YNM[ MAN4X%M9<,\8;JG(@G2LM;6+%"Z@>+/?]]RT&_#9A3(*FOZBM]\/XF[>'MD15 M@B-(7T".X%IB"^Y&>B-""MTE40C2F.;KT(Z^7S27_:4CC!6?\*Z*?Z\2)25 MD3]^F1-DA+N8S30'>G%CN:VQ*]''ES3K2JXS5^47$8_MOH9DMS%J>,F20$P@ MKCV(RUF?RKX4O'U]BO8Y):Y.4ERNW?M6J>2J7[^KQ:I4LT-!H"1-($W876FY M?IJPQP7;/1WRAQP(--@M2%9_9?\,_IOY?,!O1X)3@HP>MJ5#AC<\IA&O-W!7 M4B=ODN1)1+(6 ,+W>PO_KV;Z7ON@-K;EIYQF. ;XCZV+H.NN % MKGS-#5Y^F7)+0,"Q36:#HOFG&KXC?0J//7)XP%TX#K?&>*Z>]-9?+KT74(W' M_L'[ALO&G,^BN+Q$,W['[Y2?E_M[YGZ'!LQGXA1EXM@S\4APK[K!WJG^.V%_ MG#/[T=,,RQ5?BUF/O9N([Q/G+B),05SE=N%- [KP@L:U[\A+;?RL61Y:DB*3 M-SPJ6OH929^;?(P_.(S_T*>:!7\G*8A'W! R>-?^.4DR&]O :#P\FD&_2"D# M:]T_:%AG_08V>E.8QIZFT#;3GAPN#I60+(?/%P[0XPIR9L Y$*WXVW#":NK^ M0<8V,!\ZI:W,(8F)351M\*_;LSL.K%[H2(?U!#BU0OT#=M]QG1O/.+VN'Y$' MC6 ;RTV,K*B!Q/L/^.]JYC/\\WSL PPT=.[8SX:+QU^H8T(531L8)C0!A1N M)SP[Q',<<=2U^O@C]UY0#?"IN<.;,WML3& %Q'Z8O?!<#W F]CI<1YL S\"> M@54"&0C!N>UZ>[VU];QK>9D\_J,@61SV2J=V'OMD_:9KVY_.L/X;PSE_O'XF M>RHN?3IW/(E3JJ\+@>[0'*L6W0FZRL_*=2("O]US929$'#TB]C6["!+'#HDT MVX,3,81*.Q2Z 7U[-L8+V&"],@Y$+K30\6' EMQP4/76PM^H.E0A@4O$&F(- ML::L<_FN6GGX@&]C)$W1YM.ORW5X1]%>M7CD%LR$"OJ MCK*1!&."<0U@W"XV@IY@3# N87#JCO*#,J*X' ._Q,#;+0;^I3V;<4>$JC@< M_L7%#=C237RJ5%=F@)]4ZGA,D:Z2C%TRO*F-UF!'Y6?"'&&.,$>8JS7FY+I? MEBUN/EU0-?[Y\.D.8Q]-^P5CQT18J\/=J6V*K!4+3*4BDH\ 76:8J&/K^1[& M.-N3M:BS[J9(QY!AFT*RV4QSG@RKZ?CAYDKG?2<9!7IBF3(*#A,(1]*M/%8R MVF_UN\6$ZV6(G#R99 BG'CEYH#X4$# 34:*VBU<'"JH\W7@I"JHD1%!0)4&" M@BKWB68JUN%?45!E:=;/!MM&FO PBIPCUA!K*-Y2_N/8]VE8(4G4Q='&7,IU M($M1/A3E<\#@>GVYSML(Q@3C0^+?5;G27Q&,"<:'P+A;0QA7$'29OT9MLZ@I M%.,@.F2,FJ H'8(&08.@0= @:.0=AG<<[LW F9DBXJ^8PR=R:^Z_!Y%'9VC/ M2] @:! TI&!/Y3(A:!RM]ZF2,^:2<_J0/TR"JTE4W$9*O!W;F4:Q@^O)E4>" M4$PH/F!P?4(QH;CV*#ZFN\Z;"NIDJ6835=;Y9G'-L?B87=V/;MG]5'/6"^>$ MS^ C_A-KQ7"ZH@0.6UB&_]VW5@L^CKENS#33_?6LV3[[J'3[G5:K%0]AO=V\ MR>JE(:L]W(,L#'G%XI_L-ZRW].ZS[;H_8P6BF^B6D,O^*7C]5D6UN!UL!AL9 M68D6*JP\5,!&;[D&&=8G"BNHPLAZ8NYC--$>THKE '=8\^:&5TW.8*;.(4I3>*"YF\.K)7EVG4D!A*#I&*X"JTFF41QFNM"&>(^ M#^UFF<1]FJ*(-W D"Y(%R2*4Q37LWF620DX'YE5L&Z5-'E8@4"O?GR>@?&F[ MQ6;\R7U'3N+=9PNC&06G?2/Y5BG?S\4G:R(!5RG@O^,90;WD*VUF+O'T"_:^9G-W"1G4"+++S-$;(MTNL(=80:RKV21:V MML7CP)B.S4??5%R:5(-80ZRIFC5'=QMX^2**&H5%?;MG#P[7W(7SVF#:$[=T M$8!DC=EO]U?YWD;9'CY9HXM=>4I)AA#5@LM.=AIJ[R3*61.X3P[<)Y$RE'!] M2*IR\FI"]@XRH R/XMR+_.VXI9G;IB$&P=S% M(U;EP/HG%6]R9+R'=[1W\)4^Z&JQ50"E9SSAL'H?]RG#I>V,[<=,,MI\RUKYKC\E;+;Z/8D]BR1 MS_0T<*@2!@F#5;O8VY)Y(>NRSU!&Q\G(B]I>WPR MV^->HSW)Y7PC]_AR:(II:AYW-+\,0E2=S7Z$ES4/ \;E,=!I2UWB MEKJC-A15+@.=G):GB$-RG!,&JW:<*PUE(/$EAF.ST0G<94ZPK<9P()>-7J;S M?%/.S1IXU-,9[K>.\8S704WMD9NYZO1&MLFR&3\@U6<=")5@0]]K] ;%EG;> M":P*Q46@/TG0%WM&0( GP$L&^'=*J]A==_Z8EWP+1(ITDHK4:W3[Q<;C781]7I*(E4Z2152>FT&KUNL2>PY:T@1W?M0_1Q M]>^%X;V64.A&&K^))%Z1;#Z/$HN0R,8>0@NAA=!":"&T$%KHCL"*ZUN)7-]? M%MY",]D$R*K:D*/ P(/HD#%\C]!":"&T2, .0@NAY:31KUC":0AR->!4 D@KQ#B"?$GA?@:W%DFP!/@<[1J^L5N>VH7'ES3 MQ#:R7K24XDHSW;W>P^9KM%LUF!(H

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�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end

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